In observance of Independence Day, all Orange County's Federal Credit Union offices will be closed on Saturday, July 4, 2026. Online and mobile banking remain available 24/7. Normal business hours will resume on Monday, July 6, 2026.
Checking Accounts
Designed for Simple Convenience
Checking Accounts
Designed for Simple Convenience
All Our Checking Accounts Feature
| » | Free Telephone, Online, & Mobile Banking¹ 24/7 Access | » | Debit Mastercard® with Zero Liability Protection² |
| » | Get Paid Up to Two Days Faster with Direct Despoit³ | » | Send and Receive Money from People You Trust with Zelle®⁴ |
| » | Free Access to 30,000 CO-OP ATMs Nationwide | » | Free eAlerts & eStatements |
| » | Relationship Rewards Program | » | Bill Pay and Mobile Deposit¹ |
| » | NCUA Insured | » | Financial Resources & Tools |
All Our Checking Accounts Feature
- Free Telephone, Online, & Mobile Banking¹ 24/7 Access
- Debit Mastercard® with Zero Liability Protection²
- Get Paid Up to Two Days Faster with Direct Deposit³
- Send and Receive Money from People You Trust with Zelle®4
- Free Access to 30,000 CO-OP ATMs Nationwide
- Free eAlerts & eStatements
- Relationship Rewards Program
- Bill Pay and Mobile Deposit¹
- NCUA Insured
- Financial Resources & Tools
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Everyday
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Access
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Pacific
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| Best For | Everyday essentials and convenient money management | Rebuilding your banking relationship with simple access | Teens and students |
| Monthly Fee | $6; waived with $500 or more in combined direct deposit per month; or 8 or more qualifying debit card purchases per month; or age 62 or over5 | $5 | $0 |
| Minimum Opening Deposit | $25 | $25 | $25 |
| Check-Writing Capabilities | ✔ |
No This account is not eligible for checks or check writing.6 |
✔ |
| Earns Dividends | ✔ | ||
| Overdraft Services | ✔ | ✔ | |
| Ask us for more details about your options. | |||
Everyday
|
Access
|
Pacific
|
|
| Best For |
Everyday essentials and convenient money management | Rebuilding your banking relationship with simple access | Teens and students |
| Monthly Fee |
$6; waived with $500 or more in combined direct deposit per month; or 8 or more qualifying debit card purchases per month; or age 62 or over5 | $5 | $0 |
| Minimum Opening Deposit | $25 | $25 | $25 |
| Check-Writing Capabilities | ✔ | No This account is not eligible for checks or check writing.6 |
✔ |
| Earns Dividends | ✔ | ||
| Overdraft Services | ✔ | ✔ | |
| Ask us for more details about your options. | |||
Online Banking
① Go to your checking account transaction history screen.
② Click on Order Checks from the More Options menu.
③ Order your checks!
Not Enrolled in Online Banking?
You'll need your account number to place an order. Remember, it's at the bottom of your personal checks.
Online Banking
① Go to your checking account transaction history screen.
② Click on Order Checks from the More Options menu.
③ Order your checks!
Not Enrolled in Online Banking?
You'll need your account number to place an order. Remember, it's at the bottom of your personal checks.
Access Checking is a checkless account and is not eligible for check ordering or check writing.
Access Checking is a checkless account and is not eligible for check ordering or check writing.
Membership requirements apply. Additional terms and conditions apply and are subject to change. Refer to the Account Agreement, Truth-In-Savings, and Electronic Funds Transfers Disclosure Agreement, and Schedule of Fees and Charges for additional information. Ask us for details.
¹Message and data rates may apply.
²Certain restrictions apply. See mastercard.us/zero-liability for details. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated, used pursuant to a license.
³Early access to direct deposit funds depends on when payment instructions are received from the payer and is not guaranteed. Timing may vary, and funds will be made available in accordance with our standard funds availability policy if delays occur.
4To send or receive money with Zelle®, both parties must have an eligible checking account. Transactions between enrolled users typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
5Monthly fee waived with a combined direct deposit amount of $500 or more or eight qualifying debit card purchases per calendar month posted to the account, or Members age 62 or over. Qualifying debit card purchases include debit card purchases made at point-of-sale using signature or PIN, and purchases made electronically or online using your debit card number, including recurring payments, that post and settle during that same monthly statement cycle.
6Access Checking is not eligible for checks or check writing; doing so will result in account closure.