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Checking Account FAQs

Here's the deets of checking accounts.

Checking FAQs


If you have insufficient funds in your checking account, OKCU offers several options for overdraft protection. To check out these options, take a look at our Overdraft Protection page.

It depends on the merchant, but typically within 48 hours.

If done at an OKCU or Co-Op Shared Branch, deposited funds are immediately available unless placed on hold. Mobile deposits are reviewed throughout the day and deposited within the hour of review. Deposited funds are immediately available unless placed on hold.


Rewards Checking FAQs


The Round Up feature allows you to save automatically. Each point-of-sale transaction you make is rounded up to the next whole dollar and that change is deposited to your Savings Account. For example, when you spend $3.75, $0.25 is rounded up and added to your Savings.


Yes. The round up feature will not make your checking account go negative. For example, if you buy a drink and the total is $4.55 and the available balance in your Rewards Checking Account is $4.75, then $4.55 will be debited from your account and nothing will be rounded up. $0 will be deposited into your savings account.

Yes, you can turn this feature on and off any time. Just give us a call. When you open your account, you will automatically be enrolled in this feature.

The Round Up feature is only available with the Rewards Checking Account.



No. You will only have to make a minimum of 25 debit card purchases for each full month you have the account.

It’s per account. If you are joint members on an account, as long as you collectively make the minimum 25 transactions per month, you will not be charged a fee.

To view points and redeem rewards, log into Digital Banking via your computer or the mobile app or call 855.475.0800. You can use your points to earn travel rewards, cash back and gift cards to local businesses.

It can take up to 30 days for your point balance to be viewed online.

Rewards+ FAQs

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.

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I have had several instances over the years when OKCU has helped me get through a financial pinch. The most recent situation was not a need but a want. OKCU allowed us to borrow the funds to take a dream vacation!
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Helping Oklahomans