Checking BANK | CHECKING CHECKINGCHECKING DESIGNED FOR YOU Our checking products make it easy for YOU to get more everyday value from your OC Federal Credit Union membership. It’s simple to bank fee-free or to earn interest on your checking deposits. You can save up to $155 in fees annually by just meeting just two simple requirements: maintain a minimum daily balance and/or sign up for eStatements. Get the convenience of a free debit card with any checking account, plus free online banking tools to pay bills, deposit checks from your smartphone, and transfer funds anytime. OUR CHECKING ACCOUNTSHIGH YIELD CHECKINGDesigned for members looking to earn a higher return on money with easy access. A higher, variable rate will be paid on these accounts to help you reach your financial goals sooner. Direct deposit is required. 3.00% APY* Unlimited Check Writing No Monthly Fee w/ $2,500 average daily balance. Account must maintain an average daily balance of $2,500 or a monthly fee of $9.95 will be applied. Interest-bearing. Premium rate will be paid on balances from $2,500 – $15,000. One high yield checking account per TIN. Rate is variable and can change at any time. FREE Debit Card FREE eStatements ($4.00/mo for monthly paper statements) FREE Online banking & Bill Pay FREE Mobile Banking app FREE Mobile deposit (Must be 18+ to use) FREE Transfers between OC Federal Credit Union and other bank / credit union accounts FREE ATM transactions. No ATM fees when using OC Federal Credit Union, CO-OP, MoneyPass, or Alliance One ATMs. *APY=Annual Percentage Yield. A qualifying direct deposit must be made to the High-Yield Checking Account, be received within 30 days of account opening, be on-going, and total $300 or more each month. Average daily balance of $2,500 must be maintained to avoid monthly fee. Fees may reduce earnings. Promotional rate is earned on balances from $2,500 to $15,000. OC Federal Credit Union may change or discontinue the program at any time without notice. This account is a variable rate accounts, and the APY may change after the account is opened. Fees may reduce earnings. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your share savings account. The minimum deposit to open the Checking with Dividends Account is $25. For additional account information, please see the Truth-in-Savings disclosure. OC Federal may discontinue or modify this offer without notice. Insured by NCUA. GET STARTED NOWTOTALLY FREE CHECKINGOur standard member checking account is anything but! Go beyond ordinary checking with features designed to help you manage your everyday financial life like mobile check deposit and bill pay. Unlimited check writing No minimum balance FREE Debit Card FREE eStatements ($4.00/mo for monthly paper statements) FREE Online banking & Bill Pay FREE Mobile Banking app FREE Mobile deposit (Must be 18+ to use) FREE Transfers between OC Federal Credit Union and other bank / credit union accounts FREE ATM transactions. No ATM fees when using OC Federal Credit Union, CO-OP, MoneyPass, or Alliance One ATMs. Fees may reduce earnings. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your share savings account. The minimum deposit to open the Checking Account is $25. For additional account information, please see the Truth-in-Savings disclosure. GET STARTED NOW60+ CHECKINGMembers 60 years and older can get every perk of our Totally Free Checking plus FREE checks, no unnecessary fees and an easier, hassle-free way to manage your account. Direct deposit required. Unlimited check writing No Monthly Fee w/ $500 average daily balance. Account must maintain $500 average daily balance or $5.95 monthly fee will be applied. No minimum balance FREE Debit Card FREE eStatements ($4.00/mo for monthly paper statements) FREE Online banking & Bill Pay FREE Mobile Banking app FREE Mobile deposit (Must be 18+ to use) FREE Transfers between OC Federal Credit Union and other bank / credit union accounts FREE ATM transactions. No ATM fees when using OC Federal Credit Union, CO-OP, MoneyPass, or Alliance One ATMs. Fees may reduce earnings. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your share savings account. The minimum deposit to open the Checking with Dividends Account is $25. For additional account information, please see the Truth-in-Savings disclosure. GET STARTED NOWSTUDENT CHECKINGStudents ages 15+ can open a FEE-FREE checking account with NO minimum balance! And it’s easy to manage online through our Mobile Banking app. No minimum balance FREE Debit Card FREE eStatements ($4.00/mo for monthly paper statements) FREE Online banking & Bill Pay FREE Mobile Banking app FREE Mobile deposit (Must be 18+ to use) FREE Transfers between OC Federal Credit Union and other bank / credit union accounts FREE ATM transactions. No ATM fees when using OC Federal Credit Union, CO-OP, MoneyPass, or Alliance One ATMs. Fees may reduce earnings. All stated minimum deposits to open are in addition to the purchase of one $5.00 membership share required to be maintained in your share savings account. The minimum deposit to open the Checking Account is $25. For additional account information, please see the Truth-in-Savings disclosure. GET STARTED NOW MANAGE YOUR MONEY 24/7MANAGE YOUR MONEY 24/7Mobile Banking Tools Our mobile app lets you check your balances, transfer funds, deposit checks – anywhere, anytime. Free Online Bill Pay When you use online banking, you can skip the stamps and schedule bill payments automatically. Card Controls Securely control when, where and how your OC Federal Credit Union debit and credit cards are used from your smartphone. Tap. Pay. Go. Contactless payment comes standard on all issued cards. Plus connect your cards to mobile wallet options like Apple Pay and Google Pay. Visit A Branch Stop by your local branch and we’ll be happy to help you. VISIT US Talk With Us Call (888) 696-4462 or chat live online during business hours. CALL US Open An Account It’s simple to open and fund your account online. JOIN US Make the Most of Your Money With OC Federal Discover how you can unlock your money’s potential and achieve your financial goals with the help of the OC Federal Credit Union! SEE ALL THE POSTS Donate For Local Families and Be Entered to WinWe are collecting pasta and sauce for the St. Vincent de Paul Society to help local families. Bring […]December 9, 2024, Ohio Catholic to Rename as OC FederalOhio Catholic Federal Credit Union will officially become OC Federal Credit Union on December 9, 2024. This name […]Free Medicare Seminar November 12, 2024Join us at our Garfield Heights branch on November 12 at 10 AM or 1 PM for a […] SEE ALL THE POSTS Every experience I’ve had dealing with OC Federal has been excellent. Everyone is always very helpful and courteous. Allison S.,OC Federal Member Consistently competitive rates and outstanding customer service. Michael S.,OC Federal Member Banking is easy and pleasant. The tellers are very accommodating and well-educated. Bernadette L.,OC Federal Member Download Our Mobile Banking App Manage your finances from anywhere.