It's what you do, not what you have.

We know having the required balances to earn a higher return isn’t always an option. That’s what makes Remarkable Checking® different. You determine the earning potential based off your actions, not on your balance. Earning has never been more accessible with Remarkable Checking. It earns 1.00% APY* on balances up to $20,000 when monthly qualifications are met. Get more rewards with direct deposits automatically sent to your account up to three days early.***

Maintain active enrollment in eStatements

Log in to MyOCCU Online and enroll in eStatements, it’s that simple.


One automated transaction

Need some ideas? Think direct deposit for your paycheck or arrange a monthly payment with one of your utility providers.


Make 12 cleared debit card transactions.

This is a lot easier than it sounds. If you swipe, it counts! Make sure that 12 or more transactions are processed and cleared in each billing period to qualify.


How can you reach 12 cleared transactions a month?

Reaching 12 swipes is easier than you might think:

  • A trip to fill your gas tank. 
  • Grabbing a cup of coffee on your way to work. 
  • Enjoying a night out with friends. 
  • A visit to the grocery store.   

These everyday transactions help you earn more and keep you on track to reach your financial goals. 

Keeping track

Worried about keeping track of how you’re doing? We’ll send out a mid-month reminder email letting you know how you’re doing to help you reach that 1.00% APY. At OCCU we want you to get the most out of your checking account. Remarkable Checking has no monthly services fees, no minimum balance, and access to MyOCCU Online and Mobile, bill pay and ATMs throughout the nation.**


View all rates and fees associated with checking accounts »

View overdraft protection and disclosure »

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; and iii) 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 12/21/2022 and subject to change. Fees could reduce earnings.

** 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.

*** 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.