Checking Account Options
Keep banking simple with no minimum balance on personal checking accounts (excluding Money Market Accounts) and no monthly maintenance fees. Members don't need to worry about restrictions when we have your members best interests in mind.
Checking (Share drafts) – Current Rates
NO MINIMUM DEPOSIT is required to open our checking account unless checks ordered at that time, plus no minimum balance is required to avoid fees. In fact, the only way a member is charged a service fee is if the account is overdrawn. The checking account agreement states the credit union will automatically transfer funds from the member's savings account to cover an overdraft, providing funds are available. Other overdraft protection arrangements are available from other deposit accounts, as well as overdraft loans and our optional Courtesy Pay Program. All checking accounts are verified through ChexSystems and Transunion.
Fresh Start Checking - Current Rates
We at OFCU understand that life can present financial difficulties, and everyone needs a second chance. Using the Credit Union philosophy "People Helping People," we are here to help. Fresh Start is a great option for a first time checking account holder or for one who has previously been reported to ChexSystems and has had a negative standing with a checking account in the past. Fresh Start Checking is debit card driven, and printed checks are not available. Ask for more details with a Member Service Representative.
Minor Checking- Current Rates
We offer a minor checking account for a child 16 -18 years of age who meets the membership eligibility requirements through a parent or guardian. That parent or guardian is secondary on the account and ultimately responsible for the minor's checking account.
Money Market – Current Rates
The Money Market account requires $2500 MINIMUM and receives tiered rates. The money market account is for members who want a higher interest bearing account and the flexibility to write a limited number of checks per month. This account earns a monthly dividend.
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Membership Eligibility Required, Federally Insured by NCUA. Please speak with a Member Service Representative to determine which account option is best for you.
Truth in Savings Disclosure
Account Error Resolution
Mobile Deposit Agreement