Man smiles as he looks at his phone holding his debit card.


Daily money management made easy 

Choose a basic account or a loaded one 

Find the checking account that fits your life. 

Each of our checking accounts offers Early Payday. Set up direct deposit into your AOCU checking account and you’re eligible to receive your money up to 2-3 days early1.

An option to suit every need 

At Advantage One, we believe more checking account options help you find exactly what you want. That's why we offer four different choices. And all of our checking accounts include a Visa® debit card, access to nearly 30,000 surcharge-free ATMs in the nationwide CO-OP Network, and Online and Mobile Banking to manage your money, pay your bills and more.
1Benefits Plus® membership is required. Monthly Benefits Plus® checking account fee starts at $5 a month and begins after 90 day free trial period. Advantage One has selected Generations Gold, Inc., a fully independent third party service provider, to provide travel and other discounted services on an exclusive basis directly to Advantage One members. Advantage One assumes no liability for any of the providers in fulfilling their services. All liabilities, claims, damages, and demands are the direct responsibility of Generations Gold, Inc., the benefits provider. Offer subject to change or cancellation at any time without notice.

2To qualify for the Heroes Checking Account you must be either a retired or active military member, police officer or firefighter. You must be able to provide a one-time identification such as a DD214, VA Card, Military ID, Police or Fire association card, paycheck, etc.

3To receive 0.25% discount, member must have direct deposit and at least 5 debit/credit transactions per month. Cannot be combined with any other discount.
Man takes a walk outside while looking at his phone.
Banking on your schedule.
Mother and father joyfully play with daughter and son on their backs.
What's next?
Car keys are being handed over.

Getting you behind the wheel.