Unity One Credit Union

Unity One CU informs: Mobile Deposit Endorsement Update

Tue, Jul 10, 2018 @ 10:37 AM / by Alyssa Guillory posted in checking account, Unity One Credit Union, mobile deposits


As of July 1, 2018, new federal regulations require all checks deposited via remote deposit capture (mobile deposit) be endorsed with, "For Mobile Deposit Only @ Unity One Credit Union." This sentence should appear under your signature and account number.

This endorsement ensures that your check won't be rejected due to these new regulations, which protects members from depositing the same check more than once.

Here is an example of a properly endorsed check under the new federal regulation:

Mobile Deposit Update Requirement

If you need assistance, we're here to help! Contact us online or call (800) 628-5517.

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About Unity One Credit Union

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals. 

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has nine branches to serve over 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™

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Your child's first credit union checking account

Fri, Aug 30, 2013 @ 12:06 PM / by Erayne Hill posted in credit union, unity one, checking account


It may seem like just yesterday that you were dropping her off for her first day at school. And now, you’re shopping around for her first checking account. How time flies.

But don’t take this moment lightly. Adolescence is a critical time for teaching children about money. They are beginning to earn some money of their own and starting to make their own choices about clothing, accessories, bicycles and expensive coffee. They are starting to gain awareness of the importance for saving for a longer-term goal, such as a car or college.

But they also need to be able to access money without you holding their hand at all times. For safety reasons, you don’t want them carrying around a lot of cash. The solution: Their own Unity One Credit Union checking account, with a debit card and ATM access.

Minors, of course, cannot enter into legal contracts of their own. A parent or guardian must act as cosigner on any accounts they open at a credit union or other financial institution. That means you retain overall control. But you are also on the hook should your child go on a wild spending spree, and that’s a good motive for helping them learn to spend wisely and manage their account.

Credit unions allow parents to maintain full control and access to accounts that are set up for their minors. Unity One has the Lifeline account, a bundle of products that make it easier for parents and students to communicate about money. Depending upon your financial institution’s policies, you can choose from these common parental controls:

  • Separate account logins, so you can see all the transactions your child makes.

  • Limits on ATM withdrawals.

  • Optional overdraft protection.

  • “Sweep” savings accounts – a system that looks at each transaction on the debit card purchase, rounds up to the nearest dollar and transfers it to a savings account that grows over time.

  • Limits on debit card transactions.

As your child matures and displays an ability to responsibly spend and manage his/her account, you can relax some of these restrictions.credit union checking account


Pay careful attention to the terms and conditions on the account.  Look for low or no monthly fees. Unity One's best free checking has none and no minimum balance.

Also look for something that pays at least a little interest. Interest rates are very low as of this writing. But even a very low rate can still help you teach children the benefits of saving and compound interest.

Keep safety in mind. Your child will probably go to the credit union many times, alone, either on a bike or on foot. Try to find a branch in a decent neighborhood, with on-site security if possible, and safe traffic patterns for bicyclists.

Expect your child to make bad decisions once in a while. But the lessons learned from those experiences will make lasting impressions on your child and hopefully create a responsible behavior pattern that will set them up for unlimited success later in life.

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