Shop local this holiday season with your UnitedOne Visa® Debit Card and earn chances to WIN $100* in our Making Seasons Bright Sweepstakes!
Plus, unwrap a 5%* reward option when pairing a Visa Debit Card with a Rewards Checking account.
From the comfort of home to wherever your life takes you, enjoy the convenience and versatility of a Visa Debit Card when you open a checking account at UnitedOne (subject to approval).
Request more information on checking with a Visa Debit Card!
View Rewards Checking Accounts
^There is an $8 replacement fee charge if you need to order a new debit card. There is no fee when a new card is issued at time of expiration. Please see fee schedule for more information.
** Beginning June 2023, all newly issued UnitedOne Visa Debit Cards now feature secure Tap to Pay capability. As your current card nears it's expiration date and your new one arrives in the mail, you will now see the Tap symbol next to the chip. This means you are now free to tap anywhere Tap to Pay is accepted! Looking to upgrade sooner? Contact us for more information and view this article to learn more about Tap to Pay.
Be sure to update your debit card information with all service providers who regularly process your card for payments, any recurring monthly bills, pay-on-the-go services, and your Mobile Wallet. Even though you may have the same account number, your expiration date and 3-digit security code have changed.
Using Digital Banking gives you access to debit card controls, including the ability to lock your card, order a new one, change your limit, and set up travel notifications.
Watch this video to learn how to use debit card controls in Digital Banking.
Courtesy Pay^^ is a discretionary service that may cover eligible transactions when your balance is short, helping you avoid returned items and potential merchant return fees while you make a deposit. It is not a line of credit, and payment is never guaranteed. If we pay an overdraft, a $28 fee per item applies, and coverage is generally limited to $500 on non interest bearing accounts or $700 on interest bearing accounts. ATM and one time debit card overdrafts require you to opt in. See our Fee Schedule and for full details.
Call or text us at (920) 684-0361, or email us at mail@UnitedOne.org. Proudly serving Manitowoc, Sheboygan, and surrounding communities.
Checking Accounts Mobile Wallet 24/7 PTM - ATM Mobile Wallet Terms & Conditions
* Official Rules for the 2026 “Making Seasons Bright” Sweepstakes
NO PURCHASE IS NECESSARY IN ORDER TO ENTER THE SWEEPSTAKES.
EACH SWEEPSTAKES ENTRY WILL HAVE AN EQUAL CHANCE OF WINNING.
UnitedOne Credit Union is the sponsor of the Sweepstakes. UnitedOne Credit Union’s address is: 1117 S. 10th St., Manitowoc, WI 54220.
Sweepstakes Period: November 2, 2026 at 1:00 a.m. and ends January 8, 2027 at 11:59 p.m., Central Time.
By entering this Sweepstakes, entrants accept and agree to be bound by these Official Sweepstakes Rules and the decisions of UnitedOne Credit Union. Sweepstakes void where prohibited by law.
Sweepstakes Entries: All UnitedOne Credit Union Debit Card transactions of $50.00 or more at a local brick and mortar business in Manitowoc or Sheboygan County during the Sweepstakes Period will be automatically entered into the sweepstakes to win one (1) of ten (10), $100 cash prizes. To enter the Sweepstakes without making a UnitedOne Credit Union Debit Card transaction, clearly print your name, address, telephone number and the words “Making Seasons Bright” on a 3” x 5” card and mail the card in an envelope to: “Making Seasons Bright” 1117 S 10th St Manitowoc, WI 54220. Entries by mail must be at UnitedOne Credit Union before the January 8, 2027, Sweepstakes deadline. UnitedOne Credit Union is not responsible for misdirected, damaged, illegible, postage-due or incomplete entries not received by the deadline. Entries by entry card and automatically generated entries have equal chances of winning.
If an entry form that was entered by mail is drawn, but judges are unable to determine the winner because of illegible writing, that entry form will be disqualified, and another chosen until a winner is determined. UnitedOne Credit Union will determine and maintain the eligible transaction codes used to be eligible for this sweepstakes. Online purchases and merchants do not qualify.
Prize Drawings: A total of ten (10) winning names will be drawn to win $100 cash. Only one (1) person per household may be a winner.
There will be a total of ten (10) drawings throughout the sweepstakes. Each week we will randomly draw one (1) new winner from the qualifying entries for the previous week, Monday through Sunday. The first drawing will take place on Monday, 11/9/26. We will draw one (1) winner on each of the following Mondays until the end of the contest, 11/16/26, 11/23/26, 11/30/26, 12/7/26, 12/14/26, 12/21/26, 12/28/26, 01/04/27 and the final drawing will be held on Monday, 01/11/27. The Qualified entry must be made the prior week (ending at 11:59pm each Sunday) of each drawing to be eligible for that week’s prize. All drawings will be held by UnitedOne Credit Union representatives. UnitedOne Credit Union will randomly select winners from all qualifying names for each prize. Winners will be announced each week with the final winner being drawn on January 11, 2027. The names of the winners will be available upon request and may be used in advertising materials by UnitedOne.
Liability/General Rules: UnitedOne Credit Union is not responsible for any loss, which may occur in connection with the winning or the use of any prize. Entrant agrees to hold UnitedOne Credit Union harmless from any liability arising from participation in the Sweepstakes or the acceptance, receipt, possession, or misuse of the prize. UnitedOne Credit Union and each of its officers, directors, employees, members, representatives and agents are not responsible for any negligence, claims, liability, injury, property loss, or other damages of entrants and/or winners arising from, or in connection with, acceptance, receipt, possession, or use/misuse of prizes awarded or participation in this Sweepstakes. UnitedOne Credit Union is not responsible for any incorrect or inaccurate information, whether caused by tampering, hacking, or by any of the equipment or programming associated with the Sweepstakes. UnitedOne Credit Union reserves the right to disqualify entrants who fail to follow these Official Rules or who may make any misrepresentations relative to the Sweepstakes and redemption of a prize.
Age/Membership Qualification: All entrants must be age 21 or older as of November 2, 2026, and a member in good standing at UnitedOne Credit Union.
Prize Description: $100 cash.
Tax Issues: UnitedOne Credit Union will report all prize winnings to the appropriate state and federal agencies as required by applicable law. Sweepstakes prize value may be taxable as income to the prize recipient; winner is responsible for all tax consequences (if any) of the prizes.
Publicity Authorization: Each winner agrees to permit UnitedOne Credit Union to utilize his/her name and likeness in promotional and other UnitedOne Credit Union materials, without additional compensation or permission, except where prohibited by law.
Additional Terms: By participating, entrants agree to the Official Rules and that the decision of UnitedOne Credit Union shall be final in all respects. UnitedOne Credit Union employees, officials, and members of their immediate families are not eligible to participate in the Sweepstakes.
Choice of Law: All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrant and the UnitedOne Credit Union in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the substantive laws of the state of Wisconsin, USA, without regard to choice of law rules.
Consumer Disclosure: Odds of winning depend upon number of entries received. Questions may be addressed to M. Farley, UnitedOne Credit Union, 1117 S. 10th St., Manitowoc, WI 54220, 920-684-0361.
High Yield Checking
*Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website www.UnitedOne.org or call (920) 684-0361 to contact one of our member service representatives for specific Monthly Qualification Cycle dates.
Reward Information:
High Yield Checking: you will receive 5.00% APY* on balances up to $7,500.00 balances over $7,500.00 will receive .10% APY. Earn 5.00% to 0.44% APY on balances over $7,500.00 depending on balance in account*. Earn 0.03% APY* if qualifications aren't met during the Monthly Qualification Cycle. When your linked High Yield Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your High Yield Savings account earn an APY of .50% and daily balances over $25,000 earn a dividend rate of .10% on the portion of the daily balance over $25,000, resulting in a range from .50% to .18% APY depending on the account's daily balance. When your linked High Yield Checking account qualifications are not met, the entire daily balance in the High Yield Savings account earns a dividend rate of .03% resulting in an annual percentage yield of .03% APY. Dividends will be credited to your High Yield Savings account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 04/01/2026.
Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. A High Yield Checking account is required to have a High Yield Savings account. A linked High Yield Savings account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our member service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.
Cash Back Checking
*Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website www.UnitedOne.org or call (920) 684-0361 to contact one of our member service representatives for specific Monthly Qualification Cycle dates.
Reward Information:
Cash Back Checking: you will receive 5.00% cash back on up to a total of $300 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $15 cash back payments may be earned per Monthly Qualification Cycle. When your linked Cash Back Savings account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Cash Back Savings account earn an APY of .50% and daily balances over $25,000 earn a dividend rate of .10% on the portion of the daily balance over $25,000, resulting in a range from .50% to .18% APY depending on the account's daily balance. When your Cash Back Checking account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the Cash Back Savings account earns a dividend rate of .03% resulting in an annual percentage yield of .03% APY. Dividends will be credited to your Cash Back Savings account on the last day of the current statement cycle. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Cash Back Checking account will be credited to your Cash Back Savings account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 04/01/2026.
Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. A Cash Back Checking account is required to have a Cash Back Savings account. A linked Cash Back Savings account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our member service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.
Payback Rewards Checking
Bonus Information:
As a bonus to individuals who open and fund a new Payback Rewards Checking account, our credit union will refund up to an aggregate total of $30 (which includes any applicable taxes) for any iTunes, Amazon.com or Google Play purchases made with your Payback Rewards Checking debit card that post and settle to the account within the first 60 calendar days after your account is opened. This refund will be credited to your account on the last day of the current statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $30 posts and settles to your account. No minimum balance is required to obtain this bonus. No minimum deposit is required to open the account. Annual Percentage Yield (APY) varies by account, account balance and if qualifications are met. See Reward Information Section below for account APY information.
Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website www.UnitedOne.org or call (920) 684-0361 to contact one of our member service representatives for specific Monthly Qualification Cycle dates.
Reward Information:
Depending on what Rewards Checking account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:
High Yield Checking: you will receive 5.00% APY* on balances up to $7,500.00 balances over $7,500.00 will receive .10% APY. Earn 5.00% to 0.44% APY on balances over $7,500.00 depending on balance in account*. Earn 0.03% APY* if qualifications aren't met during the Monthly Qualification Cycle.
Cash Back Checking: you will receive 5.00% cash back on up to a total of $300 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $15 cash back payments may be earned per Monthly Qualification Cycle.
Payback Rewards Checking: you will receive up to an aggregate total of $15 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Payback Rewards Checking debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends.
You will receive reimbursements up to an aggregate total of $15 for nationwide ATM withdrawal fees incurred within your High Yield Checking, Cash Back Checking or Payback Rewards Checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Depending on your Rewards Checking account, when your qualifications are not met, cash back payments are not made, iTunes, Amazon.com or Google Play purchases are not reimbursed, nationwide ATM withdrawal fees are not reimbursed and:
Dividends will be credited to your High Yield Savings account on the last day of the current statement cycle. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Cash Back Checking account will be credited to your Cash Back Savings account on the last day of the current statement cycle.
If Cash Back Checking is linked to a Cash Back Savings, the following also apply:
Cash Back Checking:
When linked to a Cash Back Savings account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Cash Back Checking account will be credited to your Cash Back Savings account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 04/01/2026.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly Direct Deposit, ACH payment or Bill Pay are a condition(s) of Cash Back Savings linked Cash Back Checking or Payback Rewards Checking account(s). There are no recurring monthly maintenance charges or fees to open or close this account. A Cash Back Checking or High Yield Checking account is required to have a Cash Back Savings account or High Yield Savings account. A linked Cash Back Savings account or High Yield Savings account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our member service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.
Trademarks:
iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program.
^^Courtesy Pay is a discretionary service, not a right or obligation. UnitedOne Credit Union may pay overdrafts at its sole discretion and can discontinue this service at any time without prior notice. All overdraft amounts, including fees, are due and payable upon demand.
Members are required to bring their account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours. This is part of maintaining the account in good standing, which is necessary for continued eligibility for Courtesy Pay overdraft services.
Circumstances When the Credit Union Will Not Pay an Overdraft
For complete terms, conditions, and eligibility requirements, please refer to your Membership and Account Agreement and the . Payment of overdrafts is never guaranteed.
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