Duck Debit

Duck Debit card with free student checking

Show your Duck loyalty with every purchase with a Duck Debit card and free student checking.

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Free student checking

With a Duck Debit card and a free student checking account at OCCU you’ll have the opportunity to earn 1.00% APY on balances up to $20,000.* You’ll also have access to MyOCCU Online & Mobile,  and you can enjoy no monthly service fees, no minimum balance and free access to ATMs throughout the nation.**

Meet three simple monthly qualifications to earn 1.00% APY:

  • Make 12 debit card transactions.
  • Complete one direct or automatic deposit.
  • Maintain active enrollment in eStatements.

If you don’t meet the qualifications listed above, you'll still earn 0.05% APY.

We go wherever you go

MyOCCU Mobile makes transferring funds, depositing checks and managing finances easy. Experience intuitive mobile banking with OCCU from your smartphone or tablet.

Bank on the go

Give savings a boost with Change Jar

The OCCU Change Jar savings program makes saving even easier. Each time you use your Duck Debit card, we’ll round up your transaction to the nearest dollar amount and transfer the difference to your savings account.

Call us at 541.687.2347 to enroll.

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Overdraft protection

Overdraft protection safeguards you from unexpected events that might otherwise result in insufficient funds or declined payments. Banking should make your life easier, and we’re here to help.

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Become a member and see why it’s different here

When you join OCCU, you’ll become a member and an owner. That means you’re not a customer or transaction, which makes you special to us.

Learn more

We’re right around the corner

Two of our locations are conveniently located near the University of Oregon campus. Our campus service center is nestled inside the campus Duck Store and our downtown branch is a few blocks away on East 11th Avenue.

Get directions

View all rates and fees associated with checking accounts

View overdraft protection and disclosures »

View debit cardholder agreement »

*1.00% annual percentage yield offered on Remarkable Checking applies to the first $20,000 and .20% APY on balances greater than $20,000 subject to the qualifying factors being met during each statement cycle. 0.05% APY if qualifying factors are not met. APY effective 8/1/2020.

**Foreign ATM fees charged by non-OCCU and non-CO-OP financial institutions for the use of their ATMs will be automatically credited back to your account by OCCU at the end of the statement cycle. This credit is subject to meeting the Qualifying Factors. Statement cycle = first day of the calendar month to the last day of the calendar month. Example – May 1 – May 31.