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Compare Checking Accounts

Choose the right checking account for you. Browse our checking accounts below to see the benefits of each one.

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Choose the right checking account for you. Browse our checking accounts below to see the benefits of each one. Open an Account
Checking Account FAQs

Compare. Choose. Apply.

Opening a checking account with OKCU is easy and convenient. Browse the benefits of each of our checking accounts in the table below. Once you find the right one for you, you can open an account completely online or by visiting one of our Oklahoma branches.

spacer Rewards Snap Student Privilege Perk
Minimum Opening Deposit $25 $25 $25 $25 $2,500
Minimum Balance Requirement $0 $0 $0 $0 $2,500
Earn Rewards (local, travel, cash back, etc.) Yes No No No No
Savings Account Required Yes Yes Yes Yes Yes
Daily Debit Limit (ATM) $500 $500 $100 $500 $500
Daily Debit Limit (POS) $2,000 $2,000 $100 $2,000 $2,000
Dividends N/A N/A N/A Paid on balances over $25** Paid at a tiered rate on balances over $2,500.00**
Monthly Fees Minimum 25 debit card purchases per month or a $10 monthly fee applies (ATMs excluded)* N/A N/A N/A $10 monthly fee if account drops below $2,500.
Additional Benefits Every transaction will round up to the next whole dollar and deposit the change to your Savings Account N/A Receive a $10 iTunes gift card upon account opening Two free boxes of checks per year N/A
Additional Requirements N/A N/A Must have parent or guardian on the account Must be 60 years old or older N/A
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*The $10 monthly fee is waived if you also have an OKCU Rewards Credit Card. ** For specific dividend information, view our rate and fee schedule here.
 
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Happy to Help Stories

Why do our members love being part of OECU? Find out below.

  • Pamela D
    As an out-of-state member, I get checks at home in Texas and have been able to use the online deposit for those.

    – Pamela D.
  • Phyllis R
    The OKCU staff was helpful and courteous when I opened a checking account. Their suggestions, guidance, and options have kept me coming back to OKCU.

    – Phyllis R.
  • Lacey M
    OKCU was quick to notice wrongful debit card charges and alerted me immediately. They stopped the charges from being made and were able to get the fraudulent ones resolved.

    – Lacey M.
  • Brigette G
    Oklahoma style attitude with every single call or visit at the superb level of customer service for the ultimate banking experience.

    – Brigette G.
  • Chris I
    This is the first financial institution that has made me feel like I actually make a difference by banking with them.

    – Chris I.
  • Kristi K
    The app on my phone allows me to check my balance and transfer money without having to drive to the office, allowing me to simplify my life!

    – Kristi K.
  • Tina B
    I was able to conduct my business by both email and by phone making it a smooth, easy and convenient transaction.

    – Tina B.
    ​Member Since 2000