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Get 4.00% APY* and bring home the bacon with a High-Yield Savings. Click to learn more.
Earn 4.00% APY*

Get 4.00% APY* and bring home the bacon with a High-Yield Savings.

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Earn interest, receive your paycheck up to two days early, enjoy two waived overdraft fees every month and earn reward points.

Get More out of Your Checking Account


The Rewards+ checking account has the features you need to do more with your money. Free checking accounts are great, but sometimes you need something a little extra. Just like you pay to remove ads from your favorite streaming platform, you can spend $12.99 every month for the Rewards+ account and enjoy all of the benefits. 

What's included with Rewards+ checking?


Everything and then some. Learn how a Rewards+ account is right for you.

Early Direct Deposit

Set up your direct deposit and get paid up to two days earlier1 with Rewards+ and enjoy the privileges of a more flexible payday schedule. You don't have to wait so long to get paid, so you can do more with your money sooner. No need to enroll in this feature, it's an instant benefit of having the Rewards+ account.

Waived Overdraft Fees

Have peace of mind with 2 free overdraft fees every month2. Swipe, insert or tap your card without worries. Your overdraft fees are waived up to two times per month with Rewards+.

Earn Points

Earn 1 point for every $4 you spend3. Redeem your points for cash back, gift cards, travel and more. Browse the rewards catalog.

Round Up Feature

Every transaction will round up to the next whole dollar and deposit the change to your Savings account4.

Earn 5.00% APY

Get 5.00% APY on balances up to $20,000.00 and get 0.10% APY on balances $20,000.01 or above5. View additional requirements.

24/7 Account Access

All OKCU checking accounts include access to our 24/7 Digital Banking. Create custom alerts, sync third-party accounts, view your credit score and more with Digital Banking. 

Learn More about the Rewards+ Account

Early direct deposit provides access to your funds, such as a paycheck and other eligible direct deposits, up to two days early. 

No need to enroll. This is an instant benefit with your Rewards+ account.

No. The time of the deposit will vary depending on when we recieve information from the payor as well as other factors, such as screening for fraud prevention.

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. 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%. View additional requirements.

Happy to Help

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

$12.99 non-refundable monthly fee. $25 minimum opening deposit. No minimum balance requirements after your initial opening deposit.


OKCU may, under our discretion, post  Direct Deposit (ACH) up to 2 days earlier than the scheduled posting date of the payer. Early availability of funds is dependent on receiving the posting file from the payer. Maximum early Direct Deposit (ACH) amount is $10,000. OKCU does not guarantee 2 day early deposit on all Direct Deposits (ACH) as certain restrictions apply. Direct deposits that are not posted early will be made available according to our funds availability schedule. Accountholder is responsible if the deposit to your account is returned, rejected or uncollectable. OKCU may discontinue 2 day early deposit at any time. Other exceptions may apply.


$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


How You Earn Rewards Points:

  • Cardholders will earn one point for every four 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.

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


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

The Rewards+ Checking accountholder must complete 25 Rewards+ Debit Card swipes or Rewards Credit Card swipes per month (transactions must post by the last calendar day of the month) and must enroll in eStatements to earn the Reward Rate APY for the following month. ATM transactions do not qualify as a transaction. Fees may reduce earnings. Only one Rewards+ account per primary member. The Reward Rate APY is earned for the following month when qualifications are met in any given month. If the requirements are not met, the account will earn the default APY. OKCU reserves the right to modify or change this agreement at any time.