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» All branch lobbies are open regular hours. Face masks are required, and Shared Branching remains unavailable. For more information, click here. 

» Qualifying businesses can apply for a PPP loan, click here for more information.

Checking

A menu of options.

At Oregonians, we think giving you a menu of checking accounts is pretty cool. This way, you can decide which account works for you based on how you plan to use it. Remember, our checking accounts come with the kind of surprises you want: like a free Oregonians Visa® debit card and more than 30,000 surcharge-free ATMs nationwide.

Free Anywhere Access with Every Checking:

 

Online Banking

Online Banking & Bill Pay

Your virtual Oregonians branch.

Mobile Banking

Oregonians Mobile App

All the conveniences of Online Banking, but at your fingertips.

Mobile Depost

Mobile Check Deposit

Deposit checks from your smart phone anywhere, anytime.

Mobile Wallets

Mobile Wallets

Compatible with Apple Pay, Samsung Pay & Google Pay.

MyAlerts

MyAlerts

Text alerts to keep you informed on your account activity.

30,000 fee-free ATMs

30,000+ Fee-Free ATMs

Plus six free ATM transactions on any ATM per month.

Click here for more information about remote account access.
 

Checking Comparison

 My Checking My Rewards My Interest BaZing
Minimum opening deposit $50 $50 $50 $50
Maintenance Fee None None None $4/month, waivable 
Min. balance requirement None None $1,500 to earn interest None
Free debit card with six free ATM withdrawals/month
Unlimited access to 30,000+ surcharge-free CO-OP ATMs nationwide
Unlimited use of our coin machines
Earns cash rewards      
Earns interest      
Shopping, dining, grocery & travel discounts      
Cell phone protection      
Identity theft aid      
Accidental death & travel protection      
Pharmacy, vision & hearing discounts      

 

OPEN A CHECKING ACCOUNT view fee scheduleVIEW CURRENT RATES 

Checking Menu

My Rewards Checking

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 for using your Oregonians Visa® debit. 

With My Rewards1, you'll earn 10 cents for every debit transaction over $5 and 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 with us.

My Rewards are activated on a monthly basis when you are signed up for e-statements, receive a MyAlert, have a direct deposit of at least $500, and login to Online Banking or the Oregonians Mobile App.

*As of January 1, 2020, Oregonians is one of two financial institutions with physical branch locations in the state of Oregon to promote an unlimited cash-paying rewards checking account on a publicly available website, and Oregonians' My Rewards Checking pays a higher cash rate.

My Checking

Checking isn't so "basic" when it comes with everything you need, plus a little more. Loaded with great features, no maintenance fee and no minimum balance requirements, My Checking keeps things simple. 

My Interest Checking

Earn interest with zero restrictions on accessing your funds. My Interest Checking earns interest on balances over $1,500 and has no monthly maintenance fee.

BaZing Checking

BaZing Checking gives you access to BaZing, a membership program with protections and discounts3 from local, regional and national merchants. With identity theft aid, up to $200 in cell phone protection, and accidental death and travel insurance, BaZing can help you and your family when life throws it's curve-balls. To learn more, watch our video tours of the BaZing website and the BaZing mobile app.

BaZing Checking has a $4 monthly maintenance fee that will be waived if you have a home, auto or consumer loan with us.


Oregonians Debit Card

Visa® EMV Debit Card

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

Mobile Wallets

A 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.
Mobile wallets
 

1: To 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. 

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.

2: The 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 1/1/2019, the final month you can earn the premium rewards will be the month of January 2021.

3: Certain terms, conditions, limitations, and exclusions apply. Visit BaZing.com for complete details. Insurance products are not NCUA insured, not a deposit, not an obligation of or guaranteed by Oregonians Credit Union, its affiliates, or any government agency.