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How You Earn Rewards Points:

• Cardholders will earn one point for every five U.S. dollars ($5) in eligible net purchases. "Net purchases" are defined as the dollar value of goods and services purchased beginning with the first day of the month that includes the Enrollment Date, minus any credits, returns, or other adjustments as reflected on monthly billing statements. Negative points will post on a statement if returns or credits exceed purchases.
• Transactions excluded from point calculation include: (a) ATM withdrawals (b) any fees and card-related charges posted, including ATM fees, over-limit fees, and monthly fees; or (c) any unauthorized charges or transactions.
• Points may be earned only if the applicable account is in good standing. If the account is closed for any reason, all points that were accumulated but unused will be forfeited immediately.

The Round Up feature will never make you go negative, and you can turn the feature off at any time by calling us.

Early Direct Deposit: Early access to ACH direct deposit funds depends on the timing of the submission of the payment file from the payer. This service is only available on pending electronic deposits that are in "pending status" within Digital Banking. OKCU does not have access to future pending ACH deposit information and recurring deposits may vary from deposit to deposit. OKCU can not control when an electronic deposit appears in pending status. Other exceptions may apply.