Personal Checking

We Have Many Ways to Qualify for Free Checking

Convenience is key to keeping your banking simple. We make it simple to bank with us with easy access to your money and one-on-one service.

Better than free checking

Basic
Checking

Interest Checking

Pacific Student Checking

(For students ages 13-25)

Visit Branch Open Account Open Account Open Account

(Must be 18 years old)

Online Banking and Bill Payment

FREE

Online Banking and Bill Payment

FREE

Online Banking and Bill Payment

FREE

Online Banking and Bill Payment

FREE

Mobile Banking and Mobile Deposit1

YES

Mobile Banking and Mobile Deposit1

YES

Mobile Banking and Mobile Deposit1

YES

Mobile Banking and Mobile Deposit1

YES

29,500 No-Fee ATMs

YES

29,500 No-Fee ATMs

YES

29,500 No-Fee ATMs

YES

29,500 No-Fee ATMs

YES

Instant-Issue Debit Card2

YES

Instant-Issue Debit Card2

YES

Instant-Issue Debit Card2

YES

Instant-Issue Debit Card2

YES

Overdraft Protection Transfers3

No Fee

Overdraft Protection Transfers3

No Fee

Overdraft Protection Transfers3

No Fee

Overdraft Protection Transfers3

No Fee

Free Checks4

YES

Free Checks4

YES

Free Checks4

YES

Free Checks4

YES

Opening Deposit

$0

Opening Deposit

$25

Opening Deposit

$25

Opening Deposit

$25

Monthly Dividends

NONE

Monthly Dividends

NONE

Monthly Dividends5

YES

Monthly Dividends

NONE

Monthly Service Charge

FREE (Requires Direct Deposit)

Fee Schedule

Monthly Service Charge

Waived with Direct Deposit or average daily checking balance of $750

Waived for Premier and Platinum Rewards levels, and Members age 62 or better

$6.00

Fee Schedule

Monthly Service Charge

Waived with Direct Deposit or average daily balance of $1400

Waived for Premier and Platinum Rewards levels and Members age 62 or better

$8.00

Fee Schedule

Monthly Service Charge

FREE

Fee Schedule

1Message and data rates may apply. For Mobile Deposit, eligibility requirement and deposit limits apply. Funds from deposit may not be available for immediate withdrawal. Please refer to the Mobile Banking User Agreement.

2Available in branches to Members who qualify for a debit card.

3You may link your checking account to an Orange County's Credit Union savings or money market account or an Orange County's Credit Union personal line of credit for Overdraft Protection. Overdraft Protection Transfers from your Orange County's Credit Union savings or money market account will count against the number of withdrawals allowed per monthly statement period. Please review your Account Agreement for details on transfer limits. Interest will apply for transfers from your Orange County's Credit Union personal line of credit starting from the date of the transfer.

4Free checks with Direct Deposit, Platinum Members, or Members age 62 or better.

5Dividends paid monthly on daily balances of $100 or more.