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 – Reg. D)
    • Free P2P 2 Business Days (Person to Person) within online, or OCCU App, BillPay
    • Free 24-hour Toll Free telephone teller/CUTalk English or Spanish
    • Free It’sMe247 Online Branch/Bill Pay
    • Free Mobile Account Access/Bill Pay/Manage My Cards
    • Free Direct deposit
    • Free Payroll Deduction
    • Free 3D Secure/MasterCard Secure for online shopping
    • P2P Instant (Person to Person) within SHAZAM Bolt$ App = $1 transaction fee
    • A2A (Account to Account between Banks/CU’s) = $2 transaction fee
    • MasterCard Checkcard (Debit Card) = $2 First Time Order fee
    • MyPic Studios (Pick or upload photo to appear on Debit Card) or Card Replacement = $15 fee

    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, NO overdraft from savings is offered on this 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 overdraft line of credit, overdraft protection from shares is not provided.
    • Free 24-hour Toll Free telephone teller/CUTalk English or Spanish
    • Free P2P 2 Business Days (Person to Person) within online, or OCCU App, BillPay
    • Free It’sMe247 Online Branch/Bill Pay
    • Free Mobile Account Access/Bill Pay/Manage My Cards
    • Free Direct deposit
    • Free Payroll Deduction
    • Free 3D Secure/MasterCard Secure for online shopping
    • P2P Instant (Person to Person) within SHAZAM Bolt$ App = $1 transaction fee
    • A2A (Account to Account between Banks/CU’s) = $2 transaction fee
    • MasterCard Checkcard (Debit Card) = $2 First Time Debit fee
    • MyPic Studios (Pick or upload photo to appear on Debit Card) or Replacement Card = $15 fee

    Pension Plus Checking

    Requirements:

  1. 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.
  2. 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 – Reg. D)
    • Free P2P (Person to Person) 2 Business Days within online, or OCCU App, BillPay
    • Free 24-hour Toll Free telephone teller/CUTalk English or Spanish
    • 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 Mobile Account Access/Bill Pay/Manage My Cards
    • Free It’sMe247 Online Branch (Many Features)
    • Free It’sMe247 BillPay (Pay your bills)
    • Free Direct Deposit
    • Free 3D Secure/MasterCard Secure for online shopping
    • Free OCCU Teller Checks
    • Free Checking with no monthly maintenance fee.
    • P2P (Person to Person) Instant within SHAZAM Bolt$ App = $1 transaction fee
    • A2A (Account to Account between Banks/CU’s) = $2 transaction fee
    • MasterCard Checkcard (Debit Card) = $2 First Time Debit fee
    • MyPic Studios (Pick or upload photo to appear on Debit Card) or Card Replacement = $15 fee

    Business Accounts

    Requirements:

  3. include but are not limited to; Business License, Fictitious Name Documents, Article of Incorporation, TIN# (Tax ID) documents, and $5 monthly fee charged at month end.
  4. 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
      • Included P2P 2 Business Days (Person to Person) within online BillPay
      • Included 24-hour Toll Free telephone teller/CUTalk English or Spanish
      • Included Mobile Account Access/Bill Pay/Cleared Checks/Manage My Cards
      • Included It’sMe247 Online Banking with BillPay and Cleared Checks
      • Included 3D Secure/MasterCard Secure for online shopping
      • Included Online E-Statements
      • P2P Instant (Person to Person) within SHAZAM Bolt$ 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
      • MyPic Studios (Pick or upload photo to appear on Debit Card) or Replacement Card = $15
      • Merchant Services “SQUARE” = No Set Up Fee by OCCU, however SQUARE has fees they charge.

    Reorder Checks

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Know the red flags that signal a scam • Scammers pressure people to send money, threaten law enforcement action or demand gift cards as a form of payment • Remember, if you provide your information or send money to a scammer, there is often little we can do to help get your money back
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