Premier One Checking

Simplicity √
Convenience √
Protection √
Security √
Peace of Mind √

Premier One is so much more than checking accounts. In addition to valuable financial benefits, Premier One checking helps protect the things you cherish, like your identity, and the things you depend on, like your cell phone. It also offers protection on the things you purchase with your Premier One debit card, plus amazing savings on everything from hotels and rental cars to healthcare expenses. All for only $4.95 per month.

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Premier One Banking Features

Premier One Life and Lifestyle Benefits

Identity Theft Protection

Cell Phone Protection 2

Buyer’s Protection 2 and Extended Warranty 2


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Free One Checking

To show our gratitude to our members, Energy One now offers Free One Checking, a free account that replaces Energy One’s 1-2-3 Free Checking accounts. Features of Free One Checking include:

  • no required minimum balance
  • no required direct deposit
  • no minimum number of debit card transactions
  • no limit on debit card transactions
  • free online banking
  • no monthly fee for bill pay
  • free standard debit card (upon approval)

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I have a 1-2-3 Free Checking account. What do I need to do?

Will my account number or log-in information change?

Money Market e-Checking

Ideal checking accounts for members who enjoy doing much of their business electronically.

  • No opening deposit required
  • Unlimited electronic transactions
  • ATM and debit cards are available
  • Earn dividends and pay no fees when the balance is above $5,000
  • $10 per item fee for non-electronic transactions
  • Free online bank

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Student Checking

Free checking accounts with no service charge, no minimum balance, and no direct deposit requirement.

  • Can be used to the age of 25 as long as the member is a student
  • Members age 15 to 17 may open a student checking account with a parent or guardian as a signer on the account
  • Plus, all the benefits of Premier One checking if a parent or guardian uses Premier One
  • Unlimited electronic transactions
  • Free online bank
  • No monthly fee for bill pays

To see a complete list of fees and disclosures, click here.

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Overdraft Protection

Transfer funds from a home equity line of credit (application and approval required; not allowed in Texas).

Transfer funds in $100 increments from other checking accounts for $2 for each transfer.

Lost ATM or Debit Card

To report a lost or stolen ATM or debit card, please do the following:
Between 8:30 a.m. and 4:30 p.m. Central, Monday through Friday, call 918-699-7100 or 1-800-364-3628, option 4 for Card Services. On weekends and holidays or after business hours, call 1-833-604-0699.

Stop Payment

To request stop payment of a check/ACH, automatic withdrawal or EFT download this form, fill it out, and send it to your branch. To request a stop payment of a bill payment item, contact Pay It! at 1-800-877-8021. To request a written statement of unauthorized debit, download this form, fill it out, and send it to your branch.

Energy One’s deposit accounts are federally insured through the National Credit Union Administration Insurance Fund (NCUAIF). Not one penny of insured savings has ever been lost by a member of a federally insured credit union. The Emergency Economic Stabilization Act of 2008 increased insurance coverage to $250,000 for each member account. However, depending on your account structure, you can increase your insured funds into the millions. Visit the NCUA’s share insurance estimator to determine your available coverage or call 1-800-755-1030, ext. 1 to talk with insurance experts about the available coverage.

Premier One Checking program notes, ID protection features and disclosures

1 Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable benefits. Benefits are available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members, but are not available to employees or authorized signers who are not owners. Benefits are not available to a “signer” on the account who is not an account owner or to clubs, organizations and/or churches and their members, schools and their employees/students.  For revocable grantor trusts, benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members.  For all other fiduciary accounts, benefits are available to the beneficiary, who must be the primary member, and his or her eligible family members (Fiduciary is not covered). Family includes: Spouse, person qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. Special Insurance Program Notes:  The description herein are summaries only and do not include all terms, conditions and exclusions of the benefits described.  Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. 3 Credit file monitoring may take several days to begin following activation.

Insurance Products are not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate and are not insured by the NCUA or Any Federal Government Agency.