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.
Plus, members have easy access for spending with their debit, HSA, and even credit cards. Pick up new or replacement cards immediately at any branch location, and if you need to have cards mailed to you, cards can be instantly added to your phone's digital wallet.
Once your new card is requested, you will receive a secure text message with a link to access your card. Follow the prompts to activate your new card and add the card to your phone's digital wallet.
You will then be able to make secure online or merchant payments where tap is accepted while you wait for your physical card to arrive in the mail.
Don't forget to use all the available card control features, including turning your card on and off within the FORUM mobile app.
Account Features:
- No monthly fee and no minimum balance
- Earn high dividends or receive cash back for every debit card transaction
- Easy access to your account, including online banking, bill pay, and assistance in person at any location, online with chat, and by phone
- Convenient Mobile App featuring check deposits, bill pay, and a full suite of card alerts and controls
- 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 as one option for Overdraft Privilege to cover unexpected expenses
- Access to 5,000 shared branch and surcharge-free ATMs nationwide
- Free FORUM ATM transactions and 4 free non-FORUM ATM transactions per month
- Plus, automate savings and earn a high dividend rate with a CommonCents account tied to your FORUM checking account
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
- Ability to track spending easily and manage your purchases with a full suite of card controls, including turning your card on and off
- Instant account alerts and online payments
- Mobile payments with Apple, Android, and Samsung devices
- Plus, get your new or reissued debit card immediately at any branch location or instantly add the card digitally if receiving the physical card by mail
Benefits
- Mastercard Identity Theft Alerts
- Mastercard Zero Liability*
- Mastercard® Priceless Cities unique experiences and Priceless Experiences at Home
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.
How It Works
All new accounts are automatically set to earn cash rewards. You can change your reward option selection through CU Online.
Step 1
Log into your account.
Step 2
Click on "My Accounts."
Step 3
Choose reward type.
Notary services
Free credit report and analysis
Local branch events, including special promotions and offers
Access to service discounts and membership perks
ATMs + Your Local Branches
Members have access to 5,000 shared branch locations and surcharge-free Alliance One ATMs nationwide.
More from FORUM
A great checking account should fit your everyday financial needs while providing easy access to your money. FORUM checking accounts offer convenient online tools, debit card access, nationwide ATM and shared branching networks, and benefits designed to help members manage their finances with confidence.
Yes, you can either earn high dividends up to $25,000 or receive cash back for every debit card transaction.
Yes, it's easy to send money to people you know. Simply link your FORUM One Checking Account to apps like Venmo, Apple Cash, and more to make quick, convenient payments.
Pick up new or replacement cards immediately at any branch location, and if you need to have cards mailed to you, cards can be instantly added to your phone's digital wallet. Once your new card is requested, you will receive a secure text message with a link to access your card. Follow the prompts to activate your new card and add the card to your phone's digital wallet. You will then be able to make secure online or merchant payments where tap is accepted while you wait for your physical card to arrive in the mail. Don't forget to use all the available card control features, including turning your card on and off within the FORUM mobile app.
FORUM has branch locations throughout the Indianapolis and Central Indiana area, making it easy to access the financial services you need close to home. To find a branch near you, visit our locations page.