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.

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 debit card transactions.

This is a lot easier than it sounds. If you swipe, it counts!


How can you reach 12 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 being met during each statement cycle. 0.05% APY if qualifying factors are not met. 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.