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Fraud Protection

Defending Against Suspicious Activity

The protection of our Members accounts and personal information is a top priority. That’s why we have security protocols in place to help keep them safe from unwanted access.

With multi-factor authentication and security safeguards and protocols in place, your account access is limited to those with proper identifying credentials. Accounts are also actively monitored for suspicious activity.

Online data protection and security.


Protecting Yourself

In addition, you can personally take steps to help protect against Identity Theft. Take a look at these best practices to protect your personal information from potential scammers.

Learn More


Live Smarter

If you have any questions, we are here to help. Call 315-735-8571 to talk about your options or make an appointment with one of our friendly Member service representatives today.


Interested In Learning More?

To see what other services are available with your Only One Checking Account, visit our Personal Checking Account overview page.

Let’s Get Started

Make an appointment with one of our friendly Member service representatives today.

Make an Appointment

When managing your money it helps to have a savings plan.

Get started with building your savings here.


Savings Calculator

Only One Checking Rates

Check today’s rates effective March 19, 2024

Minimum Balance to Earn Dividends Dividend Rate APY*
$2,500-$4,999.99
Minimum balance to earn dividends
0.05% 0.05%
$5,000.00-$7,499.99
Minimum balance to earn dividends
0.05% 0.05%
$7,500.00-$9,999.99
Minimum balance to earn dividends
0.05% 0.05%
$10,000 and Over
Minimum balance to earn dividends
0.05% 0.05%

Fees can reduce the earnings on the account. This is a variable rate account. Rates above are subject to change without notice.
*APY – Annual percentage yield