Personal Checking Accounts

Checking accounts that
work for you

You work hard for your money. And our checking accounts make it easy for you to manage your money – without all the fees.

Remarkable Checking

It's not just free checking, it

gives back to you with a

remarkable 1.35% APY.


Open now


  • No monthly service fee
  • Free internet and mobile banking
  • Free debit card
  • Free eStatements
  • Free bill pay
  • Earns monthly interest
  • No minimum balance
  • Free ATMs1
  • 1.35% APY on balances up to $20,0002

Like to keep it simple? Try Simplicity Checking. There's no
monthly fee as long as you maintain a $300 balance.3

View all rates and fees associated with checking accounts » View overdraft protection and disclosures »

Convenient Banking 24/7

With MyOCCU Online and Mobile banking options, managing your money at OCCU comes with 24/7 convenience.

  • Feel protected with top-notch security
  • Transfer funds quickly
  • Manage your personal finances simply
  • Stay secure and up-to-date with OCCU alerts
  • Contact us securely
  • Pay bills quickly
  • Deposit checks with mobile capture

Give savings a boost with Change Jar

We all know it's important to save. Because we want to make saving even easier for you, we offer the OCCU Change Jar savings program. Everyday purchases on your OCCU debit card can put money in your savings account! We’ll round up your transactions to the nearest dollar amount and automatically transfer the difference of your day’s purchases from your checking account to your savings account. If you’d like to participate and you have an active OCCU checking account, savings account and debit card, give us a call or stop by your local branch to enroll in Change Jar. It adds up.

Learn more

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.
Apple Pay logo

A new way to pay. No wallet required.

At OCCU, we offer digital payment options to meet your mobile needs. Whether you prefer Visa Checkout, Apple Pay,R Samsung Pay and Google Pay, all of our debit and credit cards are compatible. OCCU digital payment options - make shopping simple, secure and private.

Learn more about Apple Pay

Overdraft Protection

We can help save you the inconvenience and expense of a declined payment or returned check. Talk to us today about taking advantage of one of our overdraft protection options.

Learn more »

Visa Debit

OCCU debit cards make all your purchases easy and secure. Pay for everything, big or small, in person and online; even your monthly bills. Plus you can access cash back at most retailers, and they're free with OCCU checking accounts.

Resource Center

Three essential bank accounts for adults

How many accounts do you really need?

Sophia Bera used to have a savings account for each of her financial goa

Mom and two daughters in a doughnut shop

Holiday budgeting lessons for kids

You might think your child is too young to grasp such abstract concepts as money, but you might be surprised. Kids as young as three years old can learn the basics like spending and saving.

Have questions?

Want to learn more about our checking accounts? Let's connect!

1 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.
21.35% 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 following 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. APYs effective 12/5/2018 and subject to change at any time. Fees could reduce earnings.
3If balance falls below $300 at any one time during the month, there will be a $5 Account Service fee.