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One Checking® Account

Instant checking account for your immediate expenses

Do you need a bank account with instant debit card access, a digital app, and online banking? Discover One Checking®: a cutting-edge checking account with all the modern features to manage your everyday needs at your fingertips.

Why to Choose One Checking®?

  • Free Visa debit card
  • Fast, easy Bill Pay
  • 24/7/365 online account access
  • Send Money Peer-to-Peer Payments

Benefits of One Checking®

One Checking® gives you everything you need in an instant checking account solution that's easy to apply for and use.
  • Instant-issued debit cards to access your funds right away
  • Account alerts to your phone and email
  • Overdraft protection
  • 43,000 ATMs worldwide
  • Remote check deposits with the One Nevada digital app
  • More digital features than you can shake a stick at

Choose from multiple checking account options

One Checking® Rewards Open Account

Our most popular account. Earn cash back rewards on everyday transactions.

$5 monthly fee Best for active debit card users who want to earn cash back on purchases.
One Checking® Open Account

Our basic checking account with no monthly fee, if you use it regularly1

$0 monthly fee1

When meeting monthly requirements

Best for active debit card users who want the option to avoid a monthly fee.
MyChecking Open Account

Our no monthly fee checking option for youth.

$0 monthly fee

Age restrictions apply2


Best for youth ages 15-17
Essential Checking Open Account

Our no monthly fee checking option for those on limited incomes*

Income restrictions apply*


Best for those on limited household incomes.
Make life easier with our instant checking account

One Checking® FAQs


Account features and fees are subject to change. No monthly service fee with 15 signature-based debit card transactions at POS per month, or $2,000 in the average daily checking account balance, otherwise $5 per month. Add $2.50 monthly to receive paper statements—no charge for E-Statements. View the Membership Agreement, Fee Schedule, and Privacy Notice for complete account disclosures.

Have More Questions?

Ask anything, and we will answer. Check the most frequent queries asked by users.
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