One Checking

Your one account to save, spend, & share.

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One Checking

Your one account to save, spend, & share.

FORUM One Checking Account

Save – money in this account earns a top dividend rate (up to $25,000) and is readily available when you need it. Add EasyPay (One Checking + FORUM Mastercard® Credit Card) or EasySave (One Checking + CommonCents and/ or Bonus 5 Fund) to get even more from your account.
Spend – this is your spending account, it’s easy to setup and track spending
- Have your monthly income direct deposited into this account (payroll, social security, etc.). Receive alerts to know when the money is in your account. Use our mobile app to deposit any paper checks received.
- Use your FORUM debit card for everyday spending and recurring costs like Netflix and Amazon. E-mail or text alerts help you keep track of every purchase made.
- Have insurance premiums, utilities, and other monthly payments directly debited from this account.
Share - Use this account in Venmo, Apple Cash (or whatever payments app you use) to quickly pay your friends and family.

Account Features:

No monthly fee and No minimum balance
Earn high dividends or receive cash back for every debit card transaction
Free online banking, bill pay and account transfers across FORUM account
Convenient Mobile App featuring check deposits, bill pay, account alerts and more
Make secure, mobile payments on your Apple, Android, or Samsung device
Activate Ready Reserve, a $500 line of credit for members with qualified credit, use this for Overdraft Protection or unexpected expenses
Access to 5,000 shared branch and surcharge-free ATMs nationwide
Free FORUM ATM transactions & 4 free non-FORUM ATM transactions per month
Free unlimited signature or PIN based Mastercard® Debit Card transactions
Plus, automate savings & earn a high dividend rate with a CommonCents account tied to One Checking

Mastercard® Debit Card

The FORUM Credit Union Mastercard® Debit Card makes life a little easier. It gives you fast and secure access to your funds for everyday and special purchases. Get the convenience and protection you deserve.

Features

Greater financial control than cash
Ability to track spending easily
Receive real-time account alerts for your FORUM debit card through CU Online or FORUM's mobile app
Convenience of not writing checks
Mobile payments with Apple, Android, and Samsung devices
Receive your new or reissued debit card immediately at any branch location

Benefits

Mastercard Identity Theft Alerts
Mastercard Zero Liability*
Mastercard® Priceless Cities unique experiences and Priceless Experiences at Home

The holiday season can be stressful. Here are some helpful holiday shopping tips regarding our debit card transactions and online/in-store shopping.

Rewards & Bonuses*

Earn $0.05 on every debit card transaction! Or earn a high dividend rate on your monthly balances up to $25,000!

Dividends

There are two options for earning dividends on the One Checking Account:

Option 1 - Maintain a total of $1,000 or more of new money coming into your checking account each month (deposits include payroll direct deposit, social security direct deposit, etc., transfers from another account do not count toward the $1,000 requirement).
Option 2 - Perform 20 or more debit card transactions each month on the account designated to earn dividend rewards (PIN or signature transactions).

Cash & Banked

Rewards for cash or banked rewards will be earned at the rate of $0.05 for every FORUM debit card transaction (PIN or signature based transaction). Banked rewards will put all earned cash into your account at the end of the year.

Receive the current checking account dividend rate. See FORUM’s deposit rate sheet for current dividend rate. Dividends paid on daily balances of $.01 to $25,000.

*Rewards items based on last day of the previous month through the second to last day of the current month. Rewards are credited to the account as dividends and will be reported to the Internal Revenue Service on a 1099-INT. See Truth-In-Savings Disclosure for full details and disclosures.

$0.05
with each
Debit transaction

High Dividend Rate on balances up to $25,000

How it Works

All new accounts are automatically set to earn cash rewards. To change your reward option selection through CU Online.

Log into your Account

Click on "My Accounts"

Choose Reward Type

Member Benefits

Notary services
Free credit report and analysis
Local branch events, including special promotions & offers
Access to service discounts on insurance, home security service and more!

Explore Member Perks

Account Access

Mastercard® Debit Card

Online + Mobile App

Re-Order Checks

ATMs + Your Local Branches

Members have access to 5,000 shared branch locations and surcharge-free Alliance One ATMs nationwide.

More from FORUM

Add a Savings Account

Youth Accounts

Apply for a Credit Card

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