Cash Cow Checking
This account offers up to $5 cash back on ATM fees for members who want to be reimbursed for their monthly ATM fees when not using OCU ATMs. Bank with benefits with our Cash Cow Checking Account!
E-Checking Account
This account is for members who want to bank mostly electronically. It requires $50 to open the account and the ability to use Money Desktop to manage your account(s). You can also take advantage of our great digital banking services and features with an E-Checking Account.
Simple Checking Account
For members who want a basic checking account, the Simple Checking offers a $50 minimum to open and check writing. The account has no monthly service charges if you have electronic statements. (You may elect having paper statements for $3.00 per month.)
Achieve Checking Account
With our new Achieve Debit card your teen (ages 14 – 18) will have access to their own bank account. They can shop locally or online! It’s easy to make transfers with our great mobile app. Start teaching your teens responsible cash management!
Savvy Seniors WOW Checking Account
With no minimum balance requirement or monthly service charge, this account is perfect for members 55 and over. It provides all of the features of our e-Checking WOW account and includes 5 free money orders a month. This account is for members who want to bank mostly electronically and pays a high rate of interest. It requires $50 to open the account and pays a higher interest rate (currently .15% APY) if you maintain a minimum average daily balance of $200 up to $10,000. To earn this rate you must make a deposit of at least $200 per month and have electronic statements monthly.
Money Market Checking Accounts
This account offers check writing and debit card privileges and pays higher rates as your balance grows.
Biz Checking Account
This account is for LLC, corporation, or partnership businesses using an employer identification number (EIN). It requires $100 to open an account.
Micro Biz WOW Checking Account
This account is for Sole Proprietorship / DBA businesses using a Personal Tax Identification Number (TIN) or social security number. It requires $100 to open the account and pays a higher interest rate (currently .25% APY) if you maintain a minimum average daily balance of $500 up to $20,000. To earn this rate you must make a deposit of at least $200 per month, have electronic statements and conduct 20 POS transactions monthly.
Non-Profit Checking Account
This account is for non-profit businesses that qualify under the tax code using a TIN. It requires $100 to open the account and pays a higher interest rate (currently .25% APY) if you maintain a minimum average daily balance of $500 up to $20,000. To earn this rate you must make a deposit of at least $200 per month, have electronic statements and conduct 20 POS transactions monthly.
* APY stands for “Annual Percentage Yield”. APY/Rates are subject to change without notice. Your rate may increase if you do not elect an automated payment and/or based on your credit. Other restrictions and fees may apply.
