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.
APPLY NOW
Our most robust and benefit-packed account. Enjoy no minimum balance requirements, discounts on everything from hotels to healthcare, and thorough identity protection.
A free checking account with no strings attached. That means no hidden fees, no minimum balances, and online banking—all for free.
An online credit union 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.
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.
| 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. | ||
| IDProtect1 | Fully managed identity-theft resolution services and up to $10,000 in identity-theft expense reimbursement. | 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. |
| Apply Now | Apply Now | Apply Now | Apply Now |
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.
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.
2 Registration/activation required. See details below.
3 This is not insurance.
4 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.
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.
