Unlimited Checking

Get paid for everyday spending and unlock our High-Yield Savings rate.

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Unlimited (Rewards) Checking

No monthly hoops. No cap on earnings.

This checking account pays unlimited rewards (hence the name). There's no cap on how much cash back you can earn, and no need to track your activity to know if you'll get cash back. Just set up one account alert in digital banking, and we'll pay you every time you spend at least $5 thereafter.

What to Do	What You Get
Set it and forget it. Log in to digital banking and set up one account alert (like a low balance or direct deposit alert).	Eligibility unlocked. You are now ready to earn unlimited rewards with no monthly hoops.
Everyday spending: Make a debit card purchase of $5 or more.	$.10 cash back for every swipe, with no monthly caps.
Loan bonus: Have a consumer loan balance with us over $10,000.	An extra $.05 per swipe (total $.15 back) for your first year.

Unlimited & Uncomplicated

Most rewards accounts require you to work to actually earn anything. We prefer a different approach.

Typical Rewards Checking

Numerous debit swipes required to activate rewards.
Direct deposit required to avoid monthly fees.
Reward caps on earnings and complex tiers.

Oregonians Unlimited Checking

Zero monthly swipe requirements.
No monthly fees or direct deposit handcuffs.
Cash back earned monthly on every purchase over $5.

Features & Benefits

All of our checking accounts offer rewards plus these great benefits:

Set-and-Forget Savings

Unlock our High-Yield Savings rate permanently just by setting up on account alert.

24/7 Banking

Manage your financial life from your desktop or your phone, anywhere, any time.

Zero Hidden Fees

Keep your own money with no monthly maintenance fees or balance requirements.

Free Money Transfers

Move money to and from your other bank and brokerage accounts quckly and for free.

Surcharge-Free ATMs

Access your cash at nearly 37,000 surcharge-free CO-OP ATMs nationwide with no fees.

Total Card Control

Instantly freeze your card or set up real-time transaction alerts right in our app.

Unlimited Checking FAQs

Unlimited Checking Account Disclosures

$50 minimum balance to open. Paper statements are subject to a $3.00 monthly fee; avoid this fee by enrolling in e-Statements.

In order to receive monthly cash back, you must have at least one account alert set up on our digital banking profile. The account cycle for the cash back payout runs from the first day of the month to the last day of the month.

A Member Rewards savings will be opened with your Unlimited Checking, and your cash reward will be posted to this savings account on the 1st day of the month following the close of the account cycle. You will not receive a reward payout the month you close your account or if your account is not in good standing.