Share Draft (Checking) Accounts

Free Economy Checking

No minimum balance requirements, no “per check” charge, no monthly maintenance fee…just free!

Benefits/Options:

  • Free Overdraft protection from your regular savings or overdraft line of credit (6 per month)
  • Free Transfers Between Members’ Accounts Instantly!
  • Free P2P – 2 Business Days (Person to Person) within It’sMe247 online banking, or OcalaCCU App, or BillPay
  • Free CUTalk – English/Spanish 24-hour Toll Free Teller 352-785-2171
  • Free It’sMe247 Online Branch/Bill Pay
  • Free OcalaCCU App – Mobile Account Access (w/RDC-IQ, Re-Order Checks, & Much More!)
  • Free Direct deposit
  • Free Payroll Deduction
  • Free Download Account Activity Right Into Microsoft Money
  • Free Online E-Statements
  • Free 10 Year Membership Club – Mailed Paper Statements
  • Free 3D Secure-MasterCard SecureCode – OCCU is setup for secure online shopping if online merchant offers enrollment
  • P2P Instant (Person to Person) within SHAZAM brella App = $1 transaction fee
  • A2A (Account to Account between Banks/CU’s) = $2 transaction fee
  • MasterCard Checkcard (Debit Card) = $2 First Time Order fee
  • Temporary Checks (8 Checks) = $5
  • Early ACH Posting = $10
  • Debit Card Replacement = $15

Premium Checking

This is an interest bearing account with dividends that accrue daily and pay monthly on the last day of each month. There is no monthly service charge if a daily minimum balance of $1000 is maintained; otherwise the monthly fee is $15.00.  Overdraft protection via a Line of Credit, or Savings Account.

Interest is based on the following tiers:

$ 2,500 – $ 9,999
$10,000 – $24,999
$25,000 or more

Call us for current rates.

Benefits/Options:

  • Free Overdraft protection from your regular savings or overdraft line of credit (6 per month)
  • Free Transfers Between Members’ Accounts Instantly!
  • Free P2P – 2 Business Days (Person to Person) within It’sMe247 online banking, or OcalaCCU App, or BillPay
  • Free CUTalk – English/Spanish 24-hour Toll Free Teller 352-785-2171
  • Free It’sMe247 Online Branch/Bill Pay
  • Free OcalaCCU App – Mobile Account Access (w/RDC-IQ, Re-Order Checks, & Much More!)
  • Free Direct deposit
  • Free Payroll Deduction
  • Free Download Account Activity Right Into Microsoft Money
  • Free Online E-Statements
  • Free 10 Year Membership Club – Mailed Paper Statements
  • Free 3D Secure-MasterCard SecureCode – OCCU is setup for secure online shopping if online merchant offers enrollment
  • P2P Instant (Person to Person) within SHAZAM brella App = $1 transaction fee
  • A2A (Account to Account between Banks/CU’s) = $2 transaction fee
  • MasterCard Checkcard (Debit Card) = $2 First Time Debit fee
  • Temporary Checks (8 Checks) = $5
  • Early ACH Posting = $10
  • Debit Card Replacement = $15

Pension Plus Checking

Requirements:

  • To participate in this program you must have your retirement funds, i.e. Social Security, Company or Government Pension, directly deposited to your Credit Union checking account. Direct deposits may be for you or your spouse if a joint checking account. Direct deposits must be set up to arrive into your account within 60 days of opening in order to qualify for these FREE Benefits. If Direct deposit has not arrived within 60 days of opening this account, you may be charged for these services.

Benefits/Options:

  • Free 1st Box of Checks (When Opening This Account)
  • Free Overdraft protection from your savings account or overdraft line of credit (6 per month)
  • Free Transfers Between Members’ Accounts Instantly!
  • Free P2P – 2 Business Days (Person to Person) within It’sMe247 online banking, or OcalaCCU App, or BillPay
  • Free CUTalk – English/Spanish 24-hour Toll Free Teller 352-785-2171
  • Free Online E-Statements
  • Free Mailed Paper Statements
  • Free No Per Check Fee (Unlimited Writing)
  • Free Copy of Cleared Checks (3 Free A Year) or (Free Unlimited via Online Banking)
  • Free 1st Checkcard (Debit Card)
  • Free OcalaCCU App – Mobile Account Access (w/RDC-IQ, Re-Order Checks, & Much More!)
  • Free It’sMe247 Online Branch (Many Features)
  • Free It’sMe247 BillPay (Pay your bills)
  • Free Direct Deposit
  • Free Download Account Activity Right Into Microsoft Money
  • Free 3D Secure-MasterCard SecureCode – OCCU is setup for secure online shopping if online merchant offers enrollment
  • Free OCCU Teller Checks
  • Free Checking with no monthly maintenance fee.
  • P2P Instant (Person to Person) within SHAZAM brella App = $1 transaction fee
  • A2A (Account to Account between Banks/CU’s) = $2 transaction fee
  • MasterCard Checkcard (Debit Card) = $2 First Time Debit fee
  • Temporary Checks (8 Checks) = $5
  • Early ACH Posting = $10
  • Debit Card Replacement = $15

Business Accounts

Requirements:

  • include but are not limited to; Business License, Fictitious Name Documents, Article of Incorporation, TIN# (Tax ID) documents, and $10 monthly fee charged at month end. By opening a business account the primary owner becomes a member of the credit union.

Choose Your OCCU Business Account

  • Association
  • Business D/B/A (Doing Business As)
  • Corporation
  • Organization
  • Sole Proprietorship
  • Trust – Organization
  • Trust
  • Benefits/Options:

    • No Minimum Balance
    • Included Overdraft protection from your savings account (6 per month)
    • Included Transfers Between Members’ Accounts Instantly!
    • Included P2P – 2 Business Days (Person to Person) within It’sMe247 online banking, or OcalaCCU App, or BillPay
    • Included CUTalk – English/Spanish 24-hour Toll Free Teller 352-785-2171
    • Included OcalaCCU App – Mobile Account Access (w/RDC-IQ, Re-Order Checks, & Much More!)
    • Included It’sMe247 Online Banking with BillPay and Cleared Checks
    • Included Download Account Activity Right Into Microsoft Money
    • Included 3D Secure-MasterCard SecureCode – OCCU is setup for secure online shopping if online merchant offers enrollment
    • Included Online E-Statements
    • Included 10 Year Membership Club – Mailed Paper Statements
    • P2P Instant (Person to Person) within SHAZAM brella App = $1 transaction fee
    • A2A (Account to Account between Banks/CU’s) = $2 transaction fee
    • MasterCard Checkcard (Debit Card) = $2 First Time Debit fee
    • Paper Statements (Optional) = $2 per month
    • Temporary Checks (8 Checks) = $5
    • Debit Card Replacement = $15
    • Merchant Services


Reorder Checks (Click on Check Image Below)

2019 OCCU Checks
Important: As notified in your eblast, statements, & newsletter, Our Loan Department will be on hold June 19th - July 5th, 2024. Please Plan Accordingly! For Credit Card Issues - Call phone numbers list below on this front page.