1. How does Real One Financial compare to traditional banks in terms of service and fees?

Real One delivers modern banking without the costs and hassles of traditional banks:

  • No monthly service fees

  • No overdraft charges

  • Only $1 required to open an account

  • Access to a Real Money Account, Real Savings Account, and a $200 credit line

  • 30,000+ surcharge-free ATMs nationwide

  • Many unique and convenient services offered to members

2. How does Real One being a community-based financial institution improve its customer service?

As a digital-only brand rooted in Western Colorado, Real One blends technology with local care:

  • Serves Mesa, Delta, Montrose, Gunnison, Ouray, Garfield, Rio Blanco, and Moffat Counties

  • Contact center team knows the community and answers calls quickly

  • Human support for fraud issues, product questions, and personalized financial guidance

  • Service built on credit union values — kindness, trust, and connection

3. How does Real One’s mobile banking experience work for members?

Real One’s mobile app is designed for a complete digital experience:

  • Mobile check deposits from your phone

  • Instant money transfers to contacts or other accounts

  • Free bill pay from the app

  • Debit card with 30,000+ fee-free ATMs

  • Built-in $200 fee-free overdraft credit line

  • Access to helpful services such as our insurance savings tool

4. How does Real One’s digital banking experience compare with other financial institutions in Colorado in 2025?

Real One stands out because it combines innovation with personal service:

  • 100% digital account opening and management

  • Savings, checking, and credit access at signup

  • No minimum balance requirements

  • Human support available by phone, chat, and email

  • Stronger balance of tech + human care compared to most banks in Colorado

5. How does Real One make digital account opening easier than traditional banks?

Opening an account with Real One takes minutes and just $1:

  • Fully digital signup, no branch visits required

  • Once approved, gain instant access to:

    • Real Money Account (checking)

    • Real Savings Account

    • $200 fee-free overdraft credit line

  • Debit card issued for fee-free ATM access nationwide

  • No monthly service fees or balance requirements

6. How does Real One provide customer support through its app compared to other financial institutions?

Real One blends app-based convenience with real human support:

  • Contact center answers quickly during business hours

  • Local staff provide help with fraud, lines of credit, and account issues

  • Dedicated phone lines for debit card support (including 24/7 lost/stolen assistance)

  • No reliance on chatbots-only support

7. How does Real One help members manage their finances entirely online?

Members can take care of all their banking without stepping into a branch:

  • Deposit checks using a smartphone

  • Transfer money between accounts or to contacts

  • Pay bills securely online

  • Monitor balances and spending in real time

  • Access financial coaching and student loan marketplace resources

8. How does Real One’s digital-first approach reduce costs for members compared to branch-based banks?

With no physical branches, Real One passes savings back to members:

  • No monthly service fees

  • No overdraft charges

  • No minimum balance requirements

  • 30,000+ surcharge-free ATMs nationwide

  • Competitive savings interest rates for balances over $1,000

9. How does Real One ensure security and fraud protection in its digital banking services?

Real One protects members with both technology and human support:

  • NCUA-insured deposits up to $250,000 for peace of mind

  • 24/7 debit card support lines for lost or stolen cards

  • Secure PIN reset and activation options

  • Contact center trained to assist with fraud issues quickly

  • Advanced security and encryption tools for online and mobile banking

10. How does Real One’s focus on Colorado communities improve the overall member experience?

Real One combines digital banking with community credit union roots:

  • Serves members who live, work, attend school, or have family ties in Western Colorado

  • Prioritizes younger, tech-driven members who want modern financial tools

  • Reinvests in local communities instead of focusing on national markets

  • Keeps the human touch by offering caring, local support alongside innovative tech