You matter.
So should your
checking account.

At Energy One, we know you’re valuable—and you need a checking account that can reflect that. Choose from several options to find one that’s right for you.

Premier Checking Accounts

Our most robust and benefit-packed account. Enjoy no minimum balance requirements, discounts on everything from hotels to healthcare, and thorough identity protection.
  • No minimum balance required.
  • Discounts from thousands of local and national businesses, on healthcare, and more.
  • Identity protection with IDProtect®1.
A family walking past a fountain with their bags | Premier checking account
A woman checking her card in front of her laptop | Premier checking account

Free One Checking

A free checking account with no strings attached. That means no hidden fees, no minimum balances, and online banking—all for free.

  • No minimum balance required.
  • Free online banking.
  • No direct deposit required.

Money Market eChecking

An online checking account that’s perfect for members doing business electronically. Earn dividends while benefiting from unlimited electronic transactions, free online and mobile banking, and more.

  • Unlimited electronic transactions.
  • Free online banking.
  • Identity protection with IDPro.
Money Market eChecking
Student Checking

Student Checking

Designed for younger members, our free Student Checking account carries no hidden fees, no minimum balances, and no direct deposit mandates. Open to all students under 25 and to teens aged 15–17 with a parent or guardian’s signature.
  • Unlimited electronic transactions.
  • Free online banking.
  • Premier One benefits (with parent/guardian account).

Why become a member?

  • Non-profit. We are a non-profit financial cooperative, so we answer to you—not executives or shareholders.
  • Community. When you join, you’ll get to know us, and we’ll go the extra mile to make sure you’re successful.
  • Lower fees. We offer lower fees, better loan rates, and higher savings rates than traditional banks.
  • Non-profit. We are a non-profit financial cooperative, so we answer to you—not executives or shareholders.
  • Community. When you join, you’ll get to know us, and we’ll go the extra mile to make sure you’re successful.
  • Lower fees. We offer lower fees, better loan rates, and higher savings rates than traditional banks.

Features

Premier One Checking

Free One Checking

Money Market eChecking

Student Checking

Free online banking

Debit card

Unlimited transactions

$10 fee for non-electronic transactions.

Electronic transactions only.

No monthly bill-pay fees

Must be 18 or over.

No minimum balance required

eStatements

Send money with Zelle® for free

Must be 18 or over.

Financial literacy program powered by Banzai®

Free credit score monitoring by Credit Sense

Must be 18 or over.

No direct deposit required

Courtesy pay (upon approval)

Free online check images

One free check order per year

For members aged 60 and over.

Special promotions

Travel and leisure membership2

From thousands of local and national businesses, including hotels, restaurants, car-rental companies, and movie theaters (available online only).

If parent/guardian uses Premier One.

Health discount savings2,3

On prescription drugs, vision (including contacts, glasses, eye exams, and LASIK surgery), and dental services (including checkups, oral surgery, and orthodontics).

If parent/guardian uses Premier One.

Buyer’s protection and extended warranty4

On items you buy using your Premier One Checking debit card.

If parent/guardian uses Premier One.

Cell phone protection4

Be reimbursed up to $400 toward the cost of replacing or repairing up to four cell phones that you pay for using your Premier One account.

If parent/guardian uses Premier One.

IDProtect®1

Fully managed identity-theft resolution services1 and up to $10,000 in identity-theft expense reimbursement4

If parent/guardian uses Premier One.

No opening deposit required

Earn dividends and pay no fees

When balance is above $5,000.

Cost

$4.95/month

Free.

Free.

Free. Only available to students under 25 and teens aged 15–17 with a parent or guardian’s signature.

Free online banking

Premier One Checking

Free One Checking

Money Market eChecking

Student Checking

Debit Card

Premier One Checking

Free One Checking

Money Market eChecking

Student Checking

Unlimited transactions

Premier One Checking

Free One Checking

Money Market eChecking

$10 fee for non-electronic transactions.

Student Checking

Electronic transactions only.

No monthly bill-pay fees

Premier One Checking

Free One Checking

Money Market eChecking

Student Checking

Must be 18 or over.

No minimum balance required

Premier One Checking

Free One Checking

Money Market eChecking

Student Checking

eStatements

Premier One Checking

Free One Checking

Money Market eChecking

Student Checking

Send money with Zelle® for free

Premier One Checking

Free One Checking

Money Market eChecking

Student Checking

Must be 18 or over.

Financial literacy program powered by Banzai®

Premier One Checking

Free One Checking

Money Market eChecking

Student Checking

Free credit score monitoring by Credit Sense

Premier One Checking

Free One Checking

Money Market eChecking

Student Checking

Must be 18 or over.

No direct deposit required

Premier One Checking

Free One Checking

Money Market eChecking

Student Checking

Courtesy pay (upon approval)

Premier One Checking

Free One Checking

Money Market eChecking

Student Checking

Free online check images

Premier One Checking

Free One Checking

Money Market eChecking

Student Checking

One free check order per year

Premier One Checking

For members aged 60 and over.

Free One Checking

Money Market eChecking

Student Checking

Special promotions

Premier One Checking

Free One Checking

Money Market eChecking

Student Checking

Travel and leisure membership2

Premier One Checking

From thousands of local and national businesses, including hotels, restaurants, car-rental companies, and movie theaters (available online only).

Free One Checking

Money Market eChecking

Student Checking

If parent/guardian uses Premier One.

Health discount savings2,3

Premier One Checking

On prescription drugs, vision (including contacts, glasses, eye exams, and LASIK surgery), and dental services (including checkups, oral surgery, and orthodontics).

Free One Checking

Money Market eChecking

Student Checking

If parent/guardian uses Premier One.

Buyer’s protection and extended warranty4

Premier One Checking

On items you buy using your Premier One Checking debit card.

Free One Checking

Money Market eChecking

Student Checking

If parent/guardian uses Premier One.

Cell phone protection4

Premier One Checking

Be reimbursed up to $400 toward the cost of replacing or repairing up to four cell phones that you pay for using your Premier One account.

Free One Checking

Money Market eChecking

Student Checking

If parent/guardian uses Premier One.

IDProtect®1

Premier One Checking

Fully managed identity-theft resolution services1 and up to $10,000 in identity-theft expense reimbursement4

Free One Checking

Money Market eChecking

Student Checking

If parent/guardian uses Premier One.

No opening deposit required

Premier One Checking

Free One Checking

Money Market eChecking

Student Checking

Earn dividends and pay no fees

Premier One Checking

Free One Checking

Money Market eChecking

When balance is above $5,000.

Student Checking

Cost

Premier One Checking

$4.95/month

Free One Checking

Free.

Money Market eChecking

Free.

Student Checking

Free. Only available to students under 25 and teens aged 15–17 with a parent or guardian’s signature.

©2023 Energy One Federal Credit Union.

Legal

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.

IDProtect® is a registered trademark of the Econocheck Corporation.

Zelle® is a registered trademark of Early Warning Services, LLC.

Banzai® is a registered trademark of Banzai International Inc.