All Our Checking Accounts Feature


» Free Telephone, Online, & Mobile Banking¹ 24/7 Access » Free Debit Mastercard® with Zero Liability Protection²
» Free Access to 30,000 CO-OP ATMs Nationwide » Free eAlerts & eStatements
» Relationship Rewards Program » Free Bill Pay and Mobile Deposit¹
» NCUA Insured » Financial Resources & Tools
 

All Our Checking Accounts Feature


  • Free Telephone, Online, & Mobile Banking¹ 24/7 Access
  • Free Debit Mastercard® with Zero Liability Protection²
  • Free Access to 30,000 CO-OP ATMs Nationwide
  • Free eAlerts & eStatements
  • Relationship Rewards Program
  • Free Bill Pay and Mobile Deposit¹
  • NCUA Insured
  • Financial Resources & Tools
Basic Checking

For those seeking an account with everyday essentials and convenience without the high minimums.

  • Low monthly fee, waived with direct deposit or other requirements

Learn More

Interest Checking

For those seeking an account that helps your money work harder by earning dividends.

  • Low monthly fee, waived with direct deposit or other requirements
  • $600 minimum average daily balance to earn dividends

Learn More

Basic Checking

For those seeking an account with everyday essentials and convenience without the high minimums.

  • Low monthly fee, waived with direct deposit or other requirements

Learn More

Interest Checking

For those seeking an account that helps your money work harder by earning dividends.

  • Low monthly fee, waived with direct deposit or other requirements
  • $600 minimum average daily balance to earn dividends

Learn More

Plus Checking

For those seeking an account with flexible features and more transaction protection to help you manage your money.

  • Low monthly fee, waived with direct deposit or other requirements
  • Fee-free Overdraft Protection transfers from a linked deposit account
  • $500 competitive-rate line of credit to cover accidental overdrafts

Learn More

Access Checking

For those seeking to rebuild their banking relationship with simple, safe, and affordable features.

  • Low monthly fee, just $5
  • Low and no-cost features
  • Access to tools and resources to help you meet your goals

Learn More

Plus Checking

For those seeking an account with flexible features and more transaction protection to help you manage your money.

  • Low monthly fee, waived with direct deposit or other requirements
  • Fee-free Overdraft Protection transfers from a linked deposit account
  • $500 competitive-rate line of credit to cover accidental overdrafts

Learn More

Access Checking

For those seeking to rebuild their banking relationship with simple, safe, and affordable features.

  • Low monthly fee, just $5
  • Low and no-cost features
  • Access to tools and resources to help you meet your goals

Learn More

Pacific Checking

For teens and students ages 13-25* seeking an account with everything to start building for the future.

  • No monthly fee
  • Option to link to a Pacific Savings account

*For ages 13-17, please visit a branch to apply.

Learn More

Pacific Checking

For teens and students ages 13-25* seeking an account with everything to start building for the future.

  • No monthly fee
  • Option to link to a Pacific Savings account

*For ages 13-17, please visit a branch to apply.

Learn More


Choose the Checking Account that Fits Your Needs Best

 

 

Basic
Checking

Interest
Checking

Plus
Checking

Access
Checking

Pacific
Checking

Best For

Everyday essentials and convenience

Earning dividends

Added overdraft transaction protections

Rebuild banking relationship with safe, affordable access

Teens and students

Monthly Fee

$6; waived with direct deposit, average daily balance of $350, Premier/Platinum rewards levels, or Members age 62 or over

$8; waived with direct deposit, average daily balance of $1,400, Premier/Platinum rewards levels, or Members age 62 or over

$10; waived with direct deposit, 8 or more qualifying debit card purchases per month,³ Premier/Platinum rewards levels, or Members age 62 or over

$5

$0

Minimum Opening Deposit

 

$25

$25

$25

$25

$25

Minimum Balance Requirement to Maintain Account

 

$0

$0

$0

$0

$0

Check-Writing Capabilities

 

✔️

2 free boxes of Credit Union custom design per year

✔️

2 free boxes of Credit Union custom design per year

✔️

2 free boxes of Credit Union custom design per year

No

This account is not eligible for checks or check writing.⁴ 4 free cashier’s checks per month.⁵

✔️

2 free boxes of Credit Union custom design per year

Earns Dividends

 

 

✔️

 

 

 

Overdraft Services

✔️

✔️

✔️

 

✔️

 


Ask us for more details about your options.

 

Basic
Checking

Interest
Checking

Plus
Checking

Access
Checking

Pacific
Checking

Best
For
Everyday essentials and convenience Earning dividends Added overdraft transaction protections Rebuild banking relationship with safe, affordable access Teens and students
Monthly
Fee
$6; waived with direct deposit, average daily balance of $350, Premier/
Platinum rewards levels, or Members age 62 or over
$8; waived with direct deposit, average daily balance of $1,400, Premier/
Platinum rewards levels, or Members age 62 or over
$10; waived with direct deposit, 8 or more qualifying debit card purchases per month,³ Premier/
Platinum rewards levels, or Members age 62 or over
$5 $0
Minimum Opening Deposit $25 $25 $25 $25 $25
Minimum Balance Requirement to Maintain Account $0 $0 $0 $0 $0
Check-Writing Capabilities ✔️

2 free boxes of Credit Union custom design per year
✔️

2 free boxes of Credit Union custom design per year
✔️

2 free boxes of Credit Union custom design per year
No

This account is not eligible for checks or check writing.⁴ 4 free cashier’s checks per month.⁵
✔️

2 free boxes of Credit Union custom design per year
Earns Dividends   ✔️      
Overdraft Services ✔️ ✔️ ✔️   ✔️
 
Ask us for more details about your options.

How to Order Checks

Online Banking

Go to your checking account transaction history screen.

Click on Order Checks from the More Options menu.

Order your checks!

Sample Orange County's Credit Union with account number pointed out
Sample Orange County's Credit Union with account number pointed out

Not Enrolled in Online Banking?

You'll need your account number to place an order. Remember, it's at the bottom of your personal checks.

Online Banking

Go to your checking account transaction history screen.

Click on Order Checks from the More Options menu.

Order your checks!

Not Enrolled in Online Banking?

You'll need your account number to place an order. Remember, it's at the bottom of your personal checks.

Sample Orange County's Credit Union with account number pointed out
Sample Orange County's Credit Union with account number pointed out

Access Checking is a checkless account and is not eligible for check ordering or check writing.

Access Checking is a checkless account and is not eligible for check ordering or check writing.

Membership requirements apply. $5 Membership fee. Additional terms and conditions apply and are subject to change. Refer to the Account Agreement, Truth-In-Savings, and Electronic Funds Transfers Disclosure Agreement, and Schedule of Fees for additional information. Ask us for details.

¹Message and data rates may apply.

²Certain restrictions apply. See mastercard.us/zero-liability for details. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated, used pursuant to a license. Our cards utilize an added security feature, One-Time Passcode, when applicable, for online transactions using your debit and credit card. For full details about EMV 3DS Secure Code One-Time Passcode, click here.

³Qualifying debit card purchases include debit card purchase made at point-of-sale using signature, PIN, or a purchase made electronically or online using your debit card number, including recurring payments. Qualifying debit card purchases must post and settle during the monthly statement cycle.

⁴Check Program: 2 free boxes of Credit Union custom-design checks per year. Access Checking is not eligible for checks or check writing; doing so will result in account closure.

⁵Free Cashier’s Checks: Patron/Premier – 4 free per month; Platinum – unlimited.