Checking
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:
Great if you:
Use your debit card frequently and you'd like to earn cash every time you use it.
Great if you:
Keep over $1,500 in your account and you'd like to earn interest on your balance.
Not a member?
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Great features come free with our accounts:
Online Banking & Bill PayYour virtual Oregonians branch that's available 24/7. |
Oregonians Mobile AppMake transfers, pay bills, deposit checks, and more. |
Mobile DepositDeposit checks using your smart phone anywhere, anytime. |
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Mobile WalletsCompatible with Apple Pay, Samsung Pay & Google Pay. |
MyAlertsReal-time text alerts to keep you informed on your account activity. |
30,000+ Fee-Free ATMsPlus six free out-of-network ATM transactions per month. |
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 | ✔ |
OPEN A CHECKING ACCOUNT view fee scheduleVIEW CURRENT RATES
Checking menu
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 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
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.
Oregonians ATMs
30,000 surcharge-free ATMS coast-to-coast
From 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
If 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 BaZing.com 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.