Personal Checking Accounts

Expect more. Get more

You deserve a checking account that works hard for you! Remarkable Checking invests in you with 2.00% annual percentage yield (APY) on balances up to $20,000.*


Remarkable Checking

Remarkable Checking earns 2.00% APY on balances up to $20,000,* has no monthly service fees and no minimum balance. It offers a host of free services including MyOCCU Online & Mobile, bill pay and access to ATMs throughout the nation.**

Meet three simple monthly steps to earn 2.00% 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.


Simplicity Checking

Our Simplicity Checking is… well, simple. Earn interest on your account balance and as long as your monthly balance doesn’t fall below $300, you’ll have no fees.***


Is your bank investing in you?

At OCCU you’re more than a member, you’re an owner. We believe in providing more than you expect and everything you deserve. High interest rates on checking accounts is just one way we make it different here.

Ready to experience the difference? Send us a message below if you’d rather talk to a person instead of opening an account online.

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 »




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.


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.


View all rates and fees associated with checking accounts

View overdraft protection and disclosures »

*2.00% 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 7/1/2019.

**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.

*** If balance falls below $300 at any one time during the month, there will be a $5 Account Service fee.