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Get $50 for you. And $50 for your friend.

Here's How It Works

Recommend our checking to your friends. You'll earn $50* for every friend who opens a new checking account with eStatements, a Debit Mastercard®, and Direct Deposit. And your friends will earn a matching $50.*


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Send Invitations

Get going – this is a limited-time offer.* Refer your friends today!

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Benefits of Our Checking

There are many ways to qualify for checking with no monthly service fee.**

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Benefits of Our Checking

There are many ways to qualify for checking with no monthly service fee.**

Nearly 30,000 Surcharge-free ATMs

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Through a powerful credit union network, we offer nearly 30,000 surcharge-free ATMs nationwide including 9,000 that accept deposits. Find ATMs at select 7-Eleven® and Costco® locations. Look for the CO-OP symbol.

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Nearly 30,000 Surcharge-free ATMs

occu-debit-card-website.png

Through a powerful credit union network, we offer nearly 30,000 surcharge-free ATMs nationwide including 9,000 that accept deposits. Find ATMs at select 7-Eleven® and Costco® locations. Look for the CO-OP symbol.

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Send Invitation

*Offer Details

Referral Bonuses
The same bonus will be paid to the referrer (existing Member) and referee (new Member). The "referrer" bonus is available to Members of Orange County's Credit Union who have checking accounts. The "referee" bonus is available to "new" Members only. A "new" Member is defined as a person who has never been an owner or signer of a checking or savings account or loan with Orange County's Credit Union.

Bonus Payout
Referrer and referee bonuses typically paid within 90 days. Referral form must be presented at time new checking account is opened. Form must be completely filled out so we have adequate information to pay out the cash reward to the friend who made the referral. Referrer and referee bonuses will be paid by deposit to respective checking accounts. The notation "Refer" will appear on the referrer's statement. Referee bonus paid represents dividends deposited into your account and may be reported to the IRS. Any applicable taxes are the responsibility of the recipient. Associates of Orange County's Credit Union are not eligible for the referrer or referee bonuses.

Eligibility
Referee must open a personal checking account, enroll in eStatements, sign up and qualify for a Debit Mastercard (not all applicants will qualify), and set up and receive Direct Deposit within 60 days. (For Pacific Youth Checking accounts only, the requirement of Direct Deposit may be substituted with making 10 Debit Card purchases within 60 days.) Social Security can be used as a Direct Deposit for Basic, Interest, and Pacific Checking accounts. The referee's checking account must remain open and maintain eStatement preference for 90 days or referral bonus may be reversed. Offer available for personal checking accounts only including the Pacific Checking for youth/students. Money Market accounts are considered savings accounts. Offer only available at branch locations. Offer not available in conjunction with other offers. Individuals may not refer themselves for the referral bonus. All accounts are subject to normal approval standards. Minimum opening deposit is $25 for Basic, Interest, and Pacific Checking accounts; no minimum deposit required for Better Than Free Checking account.

Membership in Orange County's Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Don't live or work in our area? You may also qualify if your immediate family Member banks with us. Ask for details. Membership fee is $5.

Limited-time
This limited-time promotion begins June 1, 2021 and is subject to change at any time without prior notice. For Credit Union Associates: Use promo code REFERAFRIEND.

**Details of Services

Mobile Banking with Mobile Deposit
Message and data rates may apply. For Mobile Deposit, eligibility requirements and deposit limits apply. Funds from deposit may not be available for immediate withdrawal. Please refer to the Digital Banking User Agreement.

Instant Issue Debit Card
Available in branches to Members who qualify for a Debit Card.

Ways to Qualify for Checking with No Monthly Service Fee
Monthly service fee is waived for Premier and Platinum levels, and Members 62 or better. Otherwise, monthly service fee can be waived with Direct Deposit or an average daily balance of $750 for Basic Checking and $1,400 for Interest Checking. A qualifying Direct Deposit is an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or government agency. Person-to-person payments are not considered Direct Deposit. If you have any questions regarding this, please call us at (888) 354-6228.