Privilege Checking

You deserve extras with your checking account

Our Privilege Checking account was designed for our members who are 60 years old or better.

Select a FREE debit card that fits your personality
Real-time account transfers
Digital Banking for everyday transactions
Digital check images and eStatements
Deposit checks with your mobile device
Have a question about your account? Call us and we'll answer the phone
Access to over 900 surcharge-free ATMs across Oklahoma. If you use an ATM that's out of our network you may have to pay a fee.
5,000 shared branches nationwide

Want an extra layer of security when you call? Set up a pass-code that only you know
Upgrade your account password with Touch ID™ on your mobile device
Every debit card comes equipped with EMV security
Get real time text or email alerts to quickly identify unauthorized purchases

$25 minimum balance for your opening deposit
No minimum balance requirements after your initial opening deposit.
Debit card daily limit is $500 for ATMs and $2,000 at merchants
$27.50 per Courtesy Pay occurrence and you may have multiple occurrences on the same day
Your fees count against the Courtesy Pay limit
Account must be open 60 days for Courtesy Pay
Balance must be made positive within 30 days or account may be closed.
Courtesy Pay will be suspended if account is negative 30 days or if loan is 20 days past due.
Courtesy Pay may be reactivated once account has been positive for 30 days.
Eligible transaction types include Checks, ACH Debits and Online Bill Pay Transactions.
Courtesy Pay is not guaranteed and could be revoked at any time without prior notice.

Quick Tools

Happy To Help Stories

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

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.
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.
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.
Oklahoma style attitude with every single call or visit at the superb level of customer service for the ultimate banking experience.

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

– Chris I.
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.
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