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Checking Accounts

Oregonians has a menu of Checking Account options to meet your diverse financial needs. Every Checking Account is packed with free features: EMV Visa debit card, Online Banking, Mobile App, Bill Pay, e-Statements, and unlimited access to over 30,000 nationwide surcharge-free CO-OP ATMs.

Oregonians Checking Menu

  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
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      


View our Fee Schedule.

My Checking

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

My Rewards Checking

My Rewards Checking is the account that makes Cashday a thing. When you activate My Rewards1, you'll earn $.10 for every debit transaction over $5 and and extra $.05 premium3 if your loans total $10,000 or more. You'll be cashing in when Cashday rolls around at the beginning of the month.

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

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 discounts4 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.

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

Available with every Checking Account:

Oregonians Credit Union Debit Card

VISA EMV Debit Card

Get cash or make purchases around the world with an Oregonians debit card. With six free ATM transactions a month and access to a nationwide network of surcharge-free ATMs, you'll be sure to have access to your funds when you need it.

Our cards are compatible with 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 cash reward will be posted to your My Membership Rewards Account on Cashday: the first business day 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 for a Cashday payout to be paid. You will not receive a Cashday payout the month you close your account or if your account is not in good standing.

3: The loan premium balance requirement applies to secured loans and is subject to be discontinued or changed in June 2020.

4: 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.