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In Observance of President’s Day, our branch will be closed on Monday February 17, 2025.

Please view additional ways to access your account online!

WHAT IS IT?

Checking Accounts Built for Your Habits!

Whether you’re a big spender or a big saver, we’ve got a checking account for you!

Features PLAN Checking EARN Checking

Discounted Movie Tickets5

Travel & Leisure Discounts5

Cellular Phone Protection3

Your Choice: Paper or Online Statement

Accidental Death & Dismemberment Insurance2

Debit Advantage

IDProtect® – Identity Theft Protection Service1

  • Only IDProtect® ScoreTracker

Free Mobile Deposit

No Minimum Balance requirement

Surcharge Free ATM’s nationwide

Free Online Banking/Bill Pay

Free VISA® Debit Card

Plan: Earn:

Help better protect yourself, your joint account owners and your family with our identity theft monitoring and resolution service1 that includes credit file monitoring2, 3-in-1 credit report, monitoring of over 1,000 public databases, identity theft expense reimbursement3, fully managed resolution services, and more.

Buyer’s Protection and Extended Warranty3 Item(s) must be purchased entirely with Plan checking account.

Receive up to $300 of replacement or repair costs if your eligible cell phones are stolen or damaged. Cellular telephone bill must be paid through this account.

Money saving discounts from thousands of local and national businesses – redeem and print coupons online or access discounts from your smartphone.

Unique features include $hopping Rewards™4/5 and Health Discount Savings4/5 (not insurance).

The requirements to open an account are to deposit a $50 minimum to establish membership with Money One Federal Credit Union if you’re a new member, a $25 minimum deposit to open the plan checking account, and pay a $5.95 monthly fee.

Our Earn Checking account is built to help you save more! Enjoy credit score tracking, 1.50% APY* on balances up to $11,000 and 0.25% APY on balances of $11,000.01 and higher.

Good credit begins with knowing where your credit is today, learning how to make smarter financial decisions for tomorrow and protecting your credit moving forward. IDProtect ScoreTracker will provide online access to your updated single-bureau credit score each month. IDProtect ScoreTracker will notify you monthly when your credit score has been updated and will chart your credit score so that you can easily see changes over me, along with score factors that provide insight into what events affect your credit score.5

Unique features include no monthly service fee.

The requirements to open an account are to have an initial $50 deposit, maintain $2,500 average daily balance in your checking account, have an incoming ACH monthly credit of $500 or more6 ,sign-up for Online Banking and ,sign-up for E-Statements with a valid email address.7

If you don’t meet the requirements to earn dividends one month, don’t worry. Your account is still free, and your rewards will start up again automatically the next calendar month that you meet the qualifications.

 

Plus, both accounts include perks like:

  • » No minimum balance
  • » Access to over 55,000 surcharge-free ATMs nationwide
  • » Free online banking and bill pay
  • » Free mobile banking app
  • » And more!

Just ask yourself these questions before deciding on a checking account:

  • What features do you prefer in a checking account?
  • How do you prefer to make deposits? Withdrawals?
  • How important is it to have your choice of statement delivery?
  • How are you protecting your family from identity theft?
  • How important is cell phone protection to you and your family?
  • Do you like to be rewarded for your debit card purchases?

Choose the checking account option that fits you best whether you like to PLAN or you like to Earn!

Disclaimer:

1 IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is 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, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons 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.

2Credit file monitoring may take several days to begin following activation.

3Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

4Message and data rates may apply.

5Registration/activation required.

6Monthly = Calendar Month

7eStatements are required to waive a $10.00 mailed statement fee.

*APY=Annual Percentage Yield. APY accurate as of 1/2025. Rate tiers are as follows: 1.50% APY on balances up to $11,000.00 and 0.25% APY on balances of $11,000.01 or higher. Fees could reduce earnings. If qualifications are not met during the monthly qualification cycle, no dividends are earned.

Call us (301) 925-4600

Monday-Friday 8:30am-4:30pm

or Contact Us online anytime