Free Personal Checking

At Empire ONE, we help you Bank Smarter with a Checking (share draft) account that’s truly FREE. That means there are no minimum balance requirements to worry about, no per transaction or service fees hiding in the small print, no per check charges and no monthly service fees to pay. Plus you’ll have access to all the convenience services and extras that make your life easier.

  • Free Online Banking and Bill Pay through our Virtual Branch let you manage your accounts and make or schedule bill payments 24/7.
  • An Empire ONE Visa® Debit Card gives you the convenience of making purchases, ATM transactions, deposits and more with one card.
  • Direct Deposit ensures your pay or government check is securely deposited into your account and ready when you need it.
  • Overdraft protection provides extra peace of mind and guards against accidental overdrafts that can be costly and inconvenient. You can apply online for an overdraft loan or call 716.854.2458.
  • Courtesy Pay (for accounts in good standing) honors overdrawn transactions by paying the transaction and resulting fees, up to $300.  Please reference our most recent fee schedule for Courtesy Pay. However, you’ll avoid overdrawing your account and the additional fee from the financial institution attempting to withdraw funds from your checking account.
  • Order your checks online

To open your Empire ONE Free Checking account, stop by any branch location or call 716.854.2458.

All of your Empire ONE FCU deposits are federally insured up to $250,000 by the National Credit Union Administration, a U.S. Government Agency.

You can now pay your loan from another financial institution. Loan Pay