Personal Checking Accounts

Expect more. Get more

You deserve a checking account that works hard for you! Remarkable Checking® invests in you with 1.00% annual percentage yield (APY) on balances up to $20,000.*

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Remarkable Checking

Remarkable Checking offers you the chance to drive earning potential based on what you do, not what you have. Earn more by completing three simple monthly steps:

  • Active enrollment in eStatements.
  • Perform one direct deposit or automatic payment*
  • Make 12 debit card transactions.

*1.00% annual percentage yield offered on Remarkable Checking applies to the first $20,000 and 1.00% - .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. Automatic payment is a payment pulled from a Remarkable Checking account by an outside source and excludes OCCU’s Bill Pay service. APY effective 3/01/2021 and subject to change.

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Simplicity Checking

Our Simplicity Checking is…well, simple. Start earning interest on a $300 minimum monthly balance.

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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.

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Give savings a boost with Change Jar

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

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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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View all rates and fees associated with checking accounts

View debit cardholder agreement »

*1.00% annual percentage yield offered on Remarkable Checking applies to the first $20,000 and 1.00% - .20% APY on balances greater than $20,000, subject to the qualifying factors (the “Qualifying Factors”) being met during each statement cycle: i) 12 debit card transactions must clear through your account during the cycle; ii) one direct deposit or other ACH credit or withdrawal must clear through your account during the cycle; iii) one login to Internet Banking or MyOCCU Mobile during the cycle; and iv) maintain active enrollment in eStatements during the cycle. . If one or more of the Qualifying Factors are not met, you will receive default interest of .05% APY for that statement cycle. Automatic payment is defined as a payment pulled from a Remarkable Checking account by an outside source and excludes OCCU’s Bill Pay service. APY effective 3/01/2021 and subject to change.

** 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.