Products & Services
Full-Service

Say goodbye to minimum balance and maintenance fees, and say hello to the Unity One Credit Union difference. Having a checking account with Unity One Credit Union means having a partner as you manuever through your days. No longer are credit unions just for savings accounts. We are full-service. Click on a link below to discover some of our great checking accounts.


Our Best Free Checking account delivers just what the name implies: the best because it costs you nothing and gives you everything. With Best Free Checking from Unity One, you'll receive the following benefits:

Product Features

  • Dividends earned each day your balance is $2,500 or more
  • No minimum balance requirements
  • No monthly service charges
  • No per check charges, write as many checks as you like for FREE
  • Free monthly statement or e-statement
  • Express Online Banking and Express Mobile Banking
  • Option to add Saving Cents debit card roundup program
  • Free E-Alerts & Notices
  • Free Sweep feature that puts excess funds to work
  • Free Express Check Card
  • Free first box of checks (Liberty-brand, 150-pack)
  • Free Express Online Bill Pay
  • Free Overdraft Protection from your designated savings account(s) - (limit of six per month per Regulation D)
  • Privilege Pay Overdraft Service (eligibility/opt-in required)
  • Access to thousands of surcharge free ATMs nationwide
  • Access to over 4,000 Credit Union Service Centers with Shared Branching

Lifeline Package - Best Free Checking for Teens

Help your teen save and manage their money!

The Unity One Credit Union Lifeline will give you the financial tools you need to start your teen's financial life off with good credit and financial power. Plus, you get the convenience as a joint owner of the account, the ability to transfer funds to their account through Express Online or Mobile Banking.

Product Features

  • No monthly service fee
  • No minimum balance requirement
  • Option to add Saving Cents debit card roundup program
  • Express Online Banking and Express Mobile Banking
  • Free account texts and email alerts
  • Express Debit/Check Card
  • Free Overdraft Protection from designated savings account(s) - (limit of six per month per Regulation D)
  • Access to thousands of surcharge free ATMs nationwide
  • Access to over 4,000 Credit Union Service Centers
  • And more...

Get more information on our Lifeline Student Package.

Also, Request your free financial education workbook for teens.

Direct Deposit

Save time and money with Direct Deposit. Have your paycheck, pension, Social Security, or other recurring payment sent directly to Unity One Credit Union. We can distribute it to the account of your choice for savings, checking, loan payment or to related accounts. Why choose Direct Deposit?

  • Safe No need to worry about mail delays or having a check lost or stolen.
  • Prompt Payroll deposits are credited on payday.
  • Fast No special trips to pick up and deposit checks and no need to stand in line.
  • Easy Payments are automatically deposited to your account, even if you are traveling, on vacation, or ill. You can distribute the amount to the account of your choice for savings, checking, loan payments or other related accounts.
  • Save No more check cashing fees on your paycheck.

Unity One CU Routing Number 296076369.


It's easy once you have your accounts established with the Credit Union! All you need is the Unity One CU Routing and Transit Number, your checking account number and/or member number.


Do you need a clean start at a checking account? We understand that life can often come with unforeseen circumstances that can affect you financially. Our Clean Start Checking gives you a fresh start with your finances.

Product Features

  • Opening deposit of $50
  • No Minimum Balance Requirements
  • Monthly service fee of $10 (with direct deposit) or $15 (without direct deposit)
  • Option to add Saving Cents debit card roundup program
  • Free Monthly Statement or Free Monthly E-Statement
  • Free E-Alerts & Notices for easier balancing
  • Free Express Check Card (subject to approval, has a daily purchase limit)
  • Free Express Online Bill Pay
  • Free Overdraft Protection from your designated savings account(s) (limit of six per month per Regulation D)
  • Access to thousands of Surcharge Free ATMs nationwide (has ATM cash withdraw limit)
  • Access to over 4,000 Credit Union Service Centers
  • After 12 months of good checking history, you can apply for a Free Checking account

Contact the credit union to open a Clean Start Checking.

Individuals with a record of fraud; more than 2 closures; owe more than $1500 and/or those who have caused a loss to Unity One Credit Union are not eligible. Maximum holds on all checks (other than payroll checks or other guaranteed fund checks). Overdraft Protection and/or Privilege Pay do not apply unless loan qualifications exist.

If the account becomes overdrawn, the credit union reserves the right to close the account. Other terms and conditions will be disclosed at the time of account opening. MN statute 48.512 - restrictions apply


Federal law now requires members an opt-in consent in order for the credit union to pay your overdrafts for transactions including ATM withdrawals and one-time debit card purchases you make at a store, online or by telephone.

If you do not opt-in for Overdraft Privilege Pay with Unity One Credit Union your ATM and one-time debit card transactions will be declined if funds are not available. All transactions will be completed with the existing policies of your account.

Explanation of Overdrafts Overdrafts occur when you do not have enough money in your account to cover a transaction. Unity One provides the following overdraft services: 1. We offer Overdraft Privilege Pay to qualified account holders. 2. We offer overdraft protection, such as a link to your share account. Sufficient funds must be available in the share account to be activated. 3. We offer a line of credit loan to qualified borrowers.

If you would like additional information on these services, please contact the credit union.

We will pay overdrafts up to your available overdraft limit for the following types of transactions:

  • Checks and other transactions made using your checking account
  • Automatic bill payments

If you do not opt-in to Overdraft Privilege Pay and you do not have sufficient funds to cover your transaction, we will decline and not pay overdrafts for the following types of transactions:

  • ATM transactions
  • One-time debit card transactions

Overdraft coverage will be available at our discretion, which means we do not guarantee that we will always authorize or pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees are charged if I overdraw my account? If we pay the transaction with Overdraft Privilege Pay you will be charged $30 per transaction.

If we do not pay the transaction with Overdraft Privilege Pay your transaction will be declined and you will be charged $30 per transaction, plus you may be subject to merchant fees or penalties.

There is no limit to the number of total fees we can charge you for overdrawing your account.

Overdraft items will be posted according to Unity One Credit Union?s current checking account.

You or any joint owner has the right to revoke your opt-in consent at any time and Unity One Credit Union will discontinue your Overdraft Privilege Pay service. For Privilege Pay opt-in information, please contact your local branch.


Lifeline Student Package

The Unity One Credit Union Lifeline Package will give you the financial tools you need to start your teen's financial life off with good credit and financial power. Plus, you get the convenience as a joint owner of all the accounts, the ability to transfer funds to their account through Express Online Banking and help them learn to balance their account. The Lifeline Package features the following product and services:

  • Free checking
  • Debit card
  • Free ATMs
  • Account text alerts
  • Mobile and online banking
  • Savings accounts
  • First time car loan
  • Starter Visa Credit Card - $500 limit (Must be at least 18 years of age and have income)
  • Free financial education workbook

It's a matter of life or debt!
Teaching your teen about finances is one of the best things you can do before they leave home. Knowing how to use a debit card responsibly, balance an account, avoid credit card debt, save wisely and understand the importance of good credit, will change your teen's life forever.

To open a Lifeline, visit your nearest branch location, call (800) 628-5517 or e-mail us.