A menu of options

At Oregonians, we've got a menu of checking options designed with you in mind. If you're not sure which account is right for you, reach out to us - we're here to help. 


Our line-up of free accounts:

My Rewards Checking

Great if you:

Use your debit card frequently and you'd like to earn cash every time you use it.

Learn More


My Rewards Checking

Great if you:

Keep over $1,500 in your account and you'd like to earn interest on your balance.

Learn More

My Rewards Checking

Great if you:

Want something simple and accessible that's loaded with great features.

Learn More



Not a member?




Great features come free with our accounts:

Online Banking

Online Banking & Bill Pay

Your virtual Oregonians branch that's available 24/7.

Mobile Banking

Oregonians Mobile App

Make transfers, pay bills, deposit checks, and more.

Mobile Depost

Mobile Deposit

Deposit checks using your smart phone anywhere, anytime.

Mobile Wallets

Mobile Wallets

Compatible with Apple Pay, Samsung Pay & Google Pay.

Sign up for MyAlerts account activity notifications


Real-time text alerts to keep you informed on your account activity.

30,000 fee-free ATMs

30,000+ Fee-Free ATMs

Plus six free out-of-network ATM transactions per month.

How can I bank remotely?


Compare the details

   My Checking My Rewards My Interest
Minimum opening deposit $50 $50 $50
No maintenance fee
No minimum balance requirements $1,500 to earn interest
Free digital access
Free VISA® debit card with six free out-of-network ATM transactions per month
Unlimited access to 30,000+ surcharge-free CO-OP ATMs nationwide
Free, unlimited use of our coin machines
Overdraft protection available
Earn up to 15 cents per debit transaction    
Earns interest    




Checking menu

My Rewards Checking

The highest-paying FREE cash rewards account in Oregon*My Rewards Checking image with debit card and cash

Make the most of your Oregonians membership with My Rewards Checking. Not only is it the highest-paying cash rewards checking account in Oregon, but My Rewards has unlimited earning potential and pays you cash every month you use your Oregonians VISA® debit. 


How it works: you swipe, we pay you cash. It's that simple, and there's no gimmicks or monthly maintenance fees. Here's what you'll earn:

  • Earn 10 cents for every debit transaction over $51
  • Earn an extra 5 cent premium2 if your loans with us total $10,000 or more

Rather than paying a bank for a checking account you don't even like to use, we'll be paying you when you choose to swipe your Oregonians card.



View all checking accounts


How do I activate My Rewards?

The My Rewards cash payouts are activated when you meet the following requirements on a monthly basis:

  1. Enrolled in e*Statements
  2. Receive a MyAlert
  3. Direct deposit of $500+
  4. Login to Online Banking or our mobile app
If you don't meet these four requirements by the end of the calendar month, you won't receive the monthly cash reward -  but you'll still have a fantastic and free checking.

 *As of 12/20/2022, Oregonians pays the highest potential dollar amount per debit transaction of all financial institutions with physical branch locations in the State of Oregon that promote a cash back checking product on a publicly available website. This statement is accurate as of the stated time of research. 
1In order to receive the My Rewards Checking monthly cash reward, all four My Rewards requirements must be met as of the last day of the rewards account cycle. A My Rewards Savings will be opened with your My Rewards Checking and your cash reward will be posted to the savings no later than the 5th day of the month following the close of the rewards account cycle. The account cycle runs from the first day of the month to the last day of the month. You will not receive a reward payout the month you close your account or if your account is not in good standing.
2The loan premium balance requirement applies to secured loans and can only be earned during the first twelve months following your My Rewards Checking account opening.

My Interest Checking

Earn interest on balances over $1,500

In today's economic environment, every penny counts. My Interest Checking has no maintenance fee and lets you earn interest without sacrificing the liquidity of your funds.


Account features:


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My Checking

We get it: basic is best

No maintenance fee, no balance minimums, no fancy gadgets. But a checking account doesn't have to be "basic" when it comes with everything you need, plus a little extra. My Checking is loaded with great features that lets you keeps things convenient and simple. 


Account features:


View all checking accounts


VISA® EMV debit card

Oregonians Debit CardEMV chip technology means each transaction you make is guarded with a unique security code to help protect you against counterfeit fraud. Your Oregonians debit card is loaded with these great features:

  • Six free out-of-network ATM transactions per month
  • Part of the Co-Op Network of 30,000+ surcharge-free ATMs nationwide
  • Compatible with Apple Pay, Google Pay and Samsung Pay



Mobile wallets

Mobile walletsA mobile wallet can take the place of your physical Oregonians debit card. Our debit cards are compatible with Apple Pay, Google Pay and Samsung Pay. 



Oregonians ATMs

30,000 surcharge-free ATMS coast-to-coast

CO-OP ATM Network logoFrom Portland to Providence, you've got surcharge-free access to over 30,000 ATMs nationwide in places you shop, like Costco and 7-Eleven. Just look for the CO-OP symbol on the ATM. 

  • Over 7,500 CO-OP ATMs accept your deposits
  • 117 international ATMs in Puerto Rico, Canada and Europe

Text your ZIP code to 91989 to find an ATM near you, or find one here.


Plus, all Oregonians ATMs outside our branches are Smart ATMs that accept your cash and check deposits.


What if I can't access a CO-OP ATM?

Good news is, you get six free ATM transactions at out-of-network ATMs each month. If you use an out-of-network ATM, we won't charge you a fee but the ATM bank might.


Bank from anywhere

CO-OP ATM Network logoIf you leave Oregon, you don't have to leave Oregonians

You can visit over 5,600 CO-OP Shared Branches nationwide and feel right at home when you step inside to do your "branch banking":

  • Make deposits, withdrawals & transfers
  • Make loan payments
  • Receive loan advances

Many CO-OP Shared Branches offer statement histories, cashier's checks, and notary services; but it's best to give the location a call to confirm before visiting.


CO-OP offers a 24/7 call center open 363 days per year, that's free for members. Call 888-837-6500 to transfer funds between two of your own participating credit union accounts, make loan payments, or get balance and transaction information.



My Rewards Checking Full Account Disclosure
My Membership Rewards Account will be opened at the time of opening or converting to the My Rewards Checking. Your My Rewards cash deposit will be posted to your My Membership Rewards Account within the first five business days of the month following the close of the rewards account cycle. The My Rewards account cycle runs from the first day of the month to the last day of the month. All My Rewards requirements must be met as of the last day of the month in order to receive My Rewards. You will not receive My Rewards the month you close your account or if your account is not in good standing.
1To activate My Rewards, you must meet all of the following requirements on a monthly basis: have e-statements, have single direct deposit of $500 or more, be setup for a My Alerts notification, and access your account in Online Banking or our Mobile App.
2The loan premium balance requirement applies to secured loans and can be earned for the first calendar year your account is open. For example, if you open your account on 1/15/2021, the final month you can earn the premium rewards will be the month of January 2022.


BaZing Checking Account Disclosures
3Certain terms, conditions, limitations, and exclusions apply for BaZing benefits. Visit for complete details. Insurance products are not NCUA insured, not a deposit, and not an obligation of or guaranteed by Oregonians Credit Union, its affiliates, or any government agency.
4BaZing Checking has a $4 monthly maintenance fee that will be waived if you have a home, auto or consumer loan with us.