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Earn 5.00% APY* on balances up to $20,000 with a Rewards+ Checking account.
Earn 5.00% APY*

Earn 5.00% APY* on balances up to $20,000 with a Rewards+ Checking account.

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Compare Checking Accounts

Find a checking account that checks all the boxes. See your checking account options and find out which account best fits your needs.

Yes1

Early Direct Deposit

Yes5

Earns Interest

N/A

Minimum Balance to Earn Interest

Up to 2 per month2

Waived Overdraft Fees

Yes3

Earn Rewards (local, travel, cash back, etc.)

Yes4

Round Up Feature

$25

Minimum Opening Deposit

$0

Minimum Balance Requirement

Yes

Savings Account Required

$12.99

Monthly Fees

No

Early Direct Deposit

No

Earns Interest

N/A

Minimum Balance to Earn Interest

No

Waived Overdraft Fees

Yes3

Earn Rewards (local, travel, cash back, etc.)

Yes4

Round Up Feature

$25

Minimum Opening Deposit

$0

Minimum Balance Requirement

Yes

Savings Account Required

Minimum 25 debit card purchases per month or a $10 monthly fee applies (ATMs excluded)*

Monthly Fees

No

Early Direct Deposit

No

Earns Interest

N/A

Minimum Balance to Earn Interest

No

Waived Overdraft Fees

No

Earn Rewards (local, travel, cash back, etc.)

No

Round Up Feature

$25

Minimum Opening Deposit

$0

Minimum Balance Requirement

Yes

Savings Account Required

-

Monthly Fees

No

Early Direct Deposit

Yes6

Earns Interest

$2,501

Minimum Balance to Earn Interest

No

Waived Overdraft Fees

No

Earn Rewards (local, travel, cash back, etc.)

No

Round Up Feature

$2,500

Minimum Opening Deposit

$2,500

Minimum Balance Requirement

Yes

Savings Account Required

$10 monthly fee if your balance drops below $2,500

Monthly Fees

Yes1

Early Direct Deposit

Yes5

Earns Interest

N/A

Minimum Balance to Earn Interest

Up to 2 per month2

Waived Overdraft Fees

Yes3

Earn Rewards (local, travel, cash back, etc.)

Yes4

Round Up Feature

$25

Minimum Opening Deposit

$0

Minimum Balance Requirement

Yes

Savings Account Required

$12.99

Monthly Fees

No

Early Direct Deposit

No

Earns Interest

N/A

Minimum Balance to Earn Interest

No

Waived Overdraft Fees

Yes3

Earn Rewards (local, travel, cash back, etc.)

Yes4

Round Up Feature

$25

Minimum Opening Deposit

$0

Minimum Balance Requirement

Yes

Savings Account Required

Minimum 25 debit card purchases per month or a $10 monthly fee applies (ATMs excluded)*

Monthly Fees

No

Early Direct Deposit

No

Earns Interest

N/A

Minimum Balance to Earn Interest

No

Waived Overdraft Fees

No

Earn Rewards (local, travel, cash back, etc.)

No

Round Up Feature

$25

Minimum Opening Deposit

$0

Minimum Balance Requirement

Yes

Savings Account Required

-

Monthly Fees

No

Early Direct Deposit

Yes6

Earns Interest

$2,501

Minimum Balance to Earn Interest

No

Waived Overdraft Fees

No

Earn Rewards (local, travel, cash back, etc.)

No

Round Up Feature

$2,500

Minimum Opening Deposit

$2,500

Minimum Balance Requirement

Yes

Savings Account Required

$10 monthly fee if your balance drops below $2,500

Monthly Fees

Yes1

Early Direct Deposit

Yes5

Earns Interest

N/A

Minimum Balance to Earn Interest

Up to 2 per month2

Waived Overdraft Fees

Yes3

Earn Rewards (local, travel, cash back, etc.)

Yes4

Round Up Feature

$25

Minimum Opening Deposit

$0

Minimum Balance Requirement

Yes

Savings Account Required

$12.99

Monthly Fees

No

Early Direct Deposit

No

Earns Interest

N/A

Minimum Balance to Earn Interest

No

Waived Overdraft Fees

Yes3

Earn Rewards (local, travel, cash back, etc.)

Yes4

Round Up Feature

$25

Minimum Opening Deposit

$0

Minimum Balance Requirement

Yes

Savings Account Required

Minimum 25 debit card purchases per month or a $10 monthly fee applies (ATMs excluded)*

Monthly Fees

No

Early Direct Deposit

No

Earns Interest

N/A

Minimum Balance to Earn Interest

No

Waived Overdraft Fees

No

Earn Rewards (local, travel, cash back, etc.)

No

Round Up Feature

$25

Minimum Opening Deposit

$0

Minimum Balance Requirement

Yes

Savings Account Required

-

Monthly Fees

No

Early Direct Deposit

Yes6

Earns Interest

$2,501

Minimum Balance to Earn Interest

No

Waived Overdraft Fees

No

Earn Rewards (local, travel, cash back, etc.)

No

Round Up Feature

$2,500

Minimum Opening Deposit

$2,500

Minimum Balance Requirement

Yes

Savings Account Required

$10 monthly fee if your balance drops below $2,500

Monthly Fees

Hear from the best part about OKCU – our members

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.
0 Years
Helping Oklahomans
0+
Members
1

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.

2

$27.50 per NSF fee 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. Courtesy Pay is not guaranteed and could be revoked at any time without prior notice

3

How You Earn Rewards Points:

  • Cardholders will earn one point for every five U.S. dollars ($4) 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.
4

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

*

Minimum of 25 debit card purchases (in person or online, excludes ATM) each month or a $10 monthly fee will be pulled from the checking account. If you have the Rewards Credit Card, this monthly fee will be waived. $25 minimum opening deposit. No minimum balance requirements after your initial opening deposit. $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. Courtesy Pay is not guaranteed and could be revoked at any time without prior notice.

5

Annual Percentage Yield. The Annual Percentage Yield may change monthly. View additional account information.

Qualified APY of 5.00% is for balances up to $20,000.00 only. Balances $20,000.01 or above will receive an APY of 0.10%. OKCU will use the daily balance method to calculate the interest on your account. OKCU reserves the right to modify or change this agreement at any time. Fees may reduce earnings. You will earn the qualified APY by completing 25 Rewards+ Debit Card swipes or Rewards Credit Card swipes per month (transactions must post by the last calendar day of the month) and you must enroll in eStatements. ATM transactions do not qualify as a transaction. Only one Rewards+ account per primary member. Rates are earned when qualifications are met. If the requirements are not met, the account will earn the default APY of .10%. 

6

$2,501 Minimum to earn interest. With the tiered interest rates, the higher your balance, the higher your interest rate. $10 monthly fee if your balance drops below $2,500. View additional account information.