Frequently Asked Questions
browse below for what your looking for
Membership
To join ONE you will need to either: Live, Work, Worship, Volunteer or Attend School in one of the following Counties:
Pennsylvania
- Crawford
- Mercer
- Butler
- Clarion
- Venango
- Warren
- McKean
- Elk
- Jefferson
- Forest
- Lawrence
Ohio
- Ashtabula
New York
- Chautauqua
You will need the following items to open an account at ONE:
- Government-issued ID: Driver’s License, State ID, or Passport with current address. (If your current address is not listed, provide two forms of proof of residence such as a utility bill, account statement, or lease agreement.)
- Social Security Number
- Date of Birth
- A $5 cash or check deposit into your membership account, signifying your ownership in ONE.
The ONE’s Routing/ABA number is:
- 243382527
You can access MX by logging into your Online or Mobile Banking and selecting the More option in Online Banking or the Ellipsis icon option in the upper right-hand corner of Mobile Banking.
From here you will want to select the Budget Manager tab to access MX.
Debit cards
- Please call the activation number 800.992.3808
- Follow the prompts on the automated system to create your own PIN or reset yourÂ
- Please contact activation at 800.922.3808 and follow the prompts to create your own PIN or reset your current PIN
- Please call 800.992.3808
- Follow the prompts on the automated system to change your PIN
- Stop into any one of our branch offices
- Call us at 888.299.7351 during normal business hours
- After hours please call 800.472.3272
- You will need to fill out a form to order a new card
- Your card will need to be blocked immediately to prevent further charges
- Contact us at 888.299.7351
- After hours please contact 833.337.6075
- You will need to fill out a form to order a new card
- You can set a Travel Alert in Online or Mobile Banking
- You can call our offices at 888.299.7351
- Please call 814.336.2794 during normal business hours or
- You can always stop into one of our branch offices
- You will need to fill out a form to order a new card
- Typical delivery on Debit Cards is 7-14 business days
- Call us at 888.299.7351
- Stop into any one of our branch offices
- Please call us at 888.299.7351
- Stop into any one of our branch offices
- You will need to complete a form to order a new debit card
Credit Cards
- You can make a payment at www.ezcardinfo.com
- You can also make a payment from your Online Banking or One Click Bill Pay
- You can drop off or mail your payment to any one of our branch offices
- You can call us and request a transfer be made
- Mail your payment to: The ONE Federal Credit Union PO BOX 4519 Carol Stream IL 60197-4519
- You can make a phone payment by calling 800.433.0505 ***$10 payment fee will be assessed
- Please call the activation number 800.456.6870
- Follow the prompts on the automated system
- Contact the lost/stolen department at 800.991.4961
- You will need to fill out a form to order a new card
- Your card will need to be blocked immediately to prevent further charges
- Contact the lost/stolen department at 800.991.4961
- You will need to fill out a form to order a new card
- Typical delivery on Credit Cards is 7-14 business days
- Call us at 814.336.2794
- Stop into any one of our branch offices
- Balances are located in your Online or Mobile Banking App
- You can call 800.433.0505 for balance inquires
- Access www.ezcardinfo.com and log into your account
- Access www.ezcardinfo.com and log into your account
- Please call our offices at 814.336.2794
- Please contact at 866.604.0380 to reset your account
Checking Accounts
- 243382527
- You can obtain a check copy in either Online or Mobile Banking by clicking the View Check button
- If you do not have Online or Mobile banking, please contact our office at 888.299.7351
- You can place a stop payment in either Online or Mobile Banking.
- If you do not have Online or Mobile Banking, please contact our offices at 888.299.7351
Courtesy Pay is a service that allows ONE Federal Credit Union to pay items such as an ACH or Check written on a your checking account even if it causes the account to become overdrawn.
Courtesy Pay may provide eligible account holders in good standing with the ability to overdraw their checking account up to $300.00.
A Courtesy Pay Fee, as disclosed on our fee schedule of $35.00, is assessed per transaction whenever Courtesy Pay is used to pay an item.
If you wish to opt-out of Courtesy Pay coverage you can contact one of our Team Members at 888.299.7351
Overdraft Protection is an optional service you can add to your checking account by linking other eligible accounts you may have at ONE Federal Credit Union.
If you don’t have enough money in your checking account to clear an ACH or Check withdrawal, we will use available funds in your linked account(s) to authorize or pay your transactions.
An Overdraft Transfer fee of $10.00, as disclosed in the fee schedule, will be assessed per transaction whenever funds are transferred from an eligible share account.
- To order or reorder checks, please contact our offices at 888.299.7351
Personal Lending
- Yes. You will need to open a Savings Account in order to obtain a loan from ONE FCU.
You will need to bring the following information:
- Proof of Income – Most recent paystub
- Copy of payoff, if applicable, including a 10-day payoff, Account Number and mailing address
Depending on what type of loan product you are looking for we offer a variety of ways to apply.
- Apply Online
- Schedule an Appointment to speak with a Credit Union Service Associate.
- Come in to one of our offices and speak with a Credit Union Service Associate.
We offer many convenient ways for you to make your Loan Payment.Â
- You can make a payment from your Online Banking, Mobile App or Bill Pay
- Set up recurring ACH Payments
- You can drop off or mail your payment to any one of our branch offices
- You can call us and request a transfer be made
Yes. ONE FCU will provide you with a Pre-Approval for your loan.
Business Accounts & Lending
- Business Service Agreement
- Affidavit of Sole Proprietorship
- Tax ID or Social Security Number
- Photo ID of all Signers on the Account
- Business Service Agreement
- Affidavit of Sole Proprietorship
- Tax ID or Social Security Number
- Photo ID of all Signers on the Account
- Business Service Agreement
- Articles of Incorporation
- Bylaws
- Tax ID
- Photo ID of all Signers on the Account
You can apply for a Business Loan by either reaching out to our Business Department at 888.299.7351 or scheduling an appointment online with our Business Relationship Manager.Â
Online & Mobile Banking
To enroll in Online Banking please follow the directions below:
- Go to https://onlinebanking.onefcu.com/ or download and open the ONE FCU mobile app on your phone.
- Click on the Enroll Now button.
- Please read the Terms and Conditions and click the Consent check box. Then click Next
- Enter your DOB, SSN, and 5 Digit Membership Account Number.
- Enter a User ID and Password
- Select which method of contact you prefer to receive the One Time Passcode (OTP).
- Verify the OTP sent to your preferred choice of contact.
- Congratulations you have enrolled in Online Banking.
To Reset your Password for Online or Mobile Banking please follow the directions below:
- Go to https://onlinebanking.onefcu.com/ or download and open the ONE FCU mobile app on your phone.
- Click on the Forgot Password button.
- Enter your 5 digit Membership Account Number and User ID and click Next.
- Enter your DOB and SSN. Click Next.
- Select which method of contact you prefer to receive the One Time Passcode (OTP).
- Verify the OTP sent to your preferred choice of contact.
- Choose a new password. Click Next.
- Your password has now been changed.
To Reset your Password for Online or Mobile Banking please follow the directions below:
- Go to https://onlinebanking.onefcu.com/ or download and open the ONE FCU mobile app on your phone.
- Click on the Unlock Account button.
- Enter your 5-digit Membership Account Number and User ID and click Next.
- Enter your DOB and SSN. Click Next.
- Select which method of contact you prefer to receive the One Time Passcode (OTP).
- Verify the OTP sent to your preferred choice of contact.
- Select if you know your password or if you wish to reset your password. Click Next.
- Your Account has now been Unlocked.
To reset your User ID for Online or Mobile Banking please follow the directions below:
- Go to https://onlinebanking.onefcu.com/ or download and open the ONE FCU mobile app on your phone.
- Click on the Forgot User ID button.
- Enter your DOB and SSN.
- Enter your 5-digit Membership Account Number and click Retrieve User ID.
- Your User ID will be either emailed or text messaged to the information we have on file.