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

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.
  • 24-hour Toll Free telephone teller/CUTalk English or Spanish
  • Free P2P 2 Business Days (Person to Person) within online BillPay
  • 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)
  • MyPic Studios (Pick or upload photo to appear on Debit Card) = $15
  • It’sMe247 Online Branch/Bill Pay
  • Pay your bills
  • Direct deposit
  • Payroll Deduction
  • 3D Secure/MasterCard Secure for online shopping

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 – Reg. D)
    • Free P2P (Person to Person) 2 Business Days within online 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
    • 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
    • MyPic Studios (Pick or upload photo to appear on Debit Card) = $15

    Business Accounts

    Requirements:

  • 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.
  • 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
      • Free Overdraft protection from your savings account
      • Free P2P 2 Business Days (Person to Person) within online BillPay
      • P2P Instant (Person to Person) within SHAZAM Bolt$ App = $1 transaction fee
      • A2A (Account to Account between Banks/CU’s) = $2 transaction fee
      • 24-hour Toll Free telephone teller/CUTalk English or Spanish
      • It’sMe247 Online Banking with BillPay and Cleared Checks
      • Mobile Banking with BillPay, Mobile Check Deposit, and Cleared Checks
      • MasterCard Checkcard (Debit Card)
      • MyPic Studios (Pick or upload photo to appear on Debit Card) = $15
      • 3D Secure/MasterCard Secure for online shopping
      • Online E-Statements
      • Paper Statements (Optional) = $2 per month

    Reorder Checks

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