Remarkable Checking

Open a free Remarkable Checking 2% APY1 account and enjoy no minimum balances, no monthly or ATM fees2 and that great rate.

  • No monthly fees
  • No minimum balance
  • Access to MyOCCU Online & Mobile
  • ATM access through the nation
  • Easy bill pay process
  • Direct deposits up to three days sooner.3
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Kickstart Cashback

Our Kickstart Cashback account is designed for young adults just heading out on their financial journey. Every coffee run, every delivery order during a late-night study session, every bill you pay gets you 1% cash back. 50 

  • 1% cash back on purchases of $5 or more
  • Earn up to $25 in rewards each month just by meeting a few simple qualifications.
  • No monthly fees and no minimum balance
  • Safe and secure online banking through our mobile app
  • Direct deposits (like paychecks) up to three days sooner3
  • Duck or Beaver fan? Show your school spirit with an official team debit card.
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With Remarkable Checking you get some services for free that other financial institutions charge for. Plus, you get a high interest rate compared to a lot of other banks.
Marvy S.

We go wherever you go.

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

Bank on the go

Shop with confidence

Invest in yourself with a free Remarkable Checking account from OCCU. With no minimum balance, no ATM fees2 and a great rate1 that keeps your money growing, you can shop with confidence knowing your money is safe, secure and working hard for you.

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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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1Remarkable Checking annual percentage yield (APY): 2.00% APY applies to the first $20,000 and 2.00% - 0.20% APY on balances greater than $20,000 if all qualifications have been met. 0.05% APY on all balances if qualifying factors are not met. APYs effective as of 12/15/2025 and subject to change. Fees may reduce earnings.

2Foreign 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.

3 or **Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. OCCU may, but shall not be required to under any circumstances, make these funds available on the day the payment file is received, which may be up to three (3) days earlier than the scheduled payment date. OCCU does not assume any liability for not depositing these funds to your account early. OCCU may terminate early access at any time without notice.

50 or *Kickstart Cashback account annual percentage yield (APY): 0.00% APY. Earn 1% cashback on debit card transactions totaling $5 or more when monthly qualifications are met. Monthly maximum for cashback is $25 a month. To receive cashback benefits, Member must meet all monthly qualifications: 1) Active enrollment in eStatements, 2) One (1) login to MyOCCU Online & Mobile (must be done prior to the last day of the month), 3) Complete 10 cleared debit card purchases, including card present, online, outgoing P2P, or outgoing digital wallet, 4) One (1) direct deposit or automatic (ACH) payment. APY and cashback rewards effective as of 12/15/2025 and subject to change. Fees may reduce earnings.