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Manage Your Money with Affordable Access

For Members who need a fresh start, this checkless account offers convenient access to your funds with low-to-no fees and the option to move into a Basic Checking account after 12 months.¹

  • Minimum opening deposit of just $25
  • Low monthly service fee of $5
  • No minimum balance requirement to maintain the account
  • Stay within your balance by spending only the money you have, and benefit from no overdraft or NSF fees (this account is not eligible for overdraft services)
  • Free direct deposit and eStatements
  • Two free cashier’s checks per day if or when you need them (this account is not eligible for checks or checks writing²)
  • Free 24/7 Mobile App³ access including alerts, check deposit, bill pay, transfers to friends or other banks, and more
  • Free Debit Mastercard® with digital banking and surcharge-free access to nearly 30,000 CO-OP ATMs, plus zero-liability protection for unauthorized purchases⁴
  • Access to our Member Resource Center, with free tools, helpful articles, and support through our partners at GreenPath to help you achieve your financial goals
  • Relationship Rewards Program offering added Membership benefits and perks

 

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Safe and Affordable Access

Our Access Checking has been Bank On certified for meeting the National Account Standards as a safe and low-fee account with no overdraft or NSF fees.

Manage Your Money with Affordable Access

For Members who need a fresh start, this checkless account offers convenient access to your funds with low-to-no fees and the option to move into a Basic Checking account after 12 months.¹

  • Minimum opening deposit of just $25
  • Low monthly service fee of $5
  • No minimum balance requirement to maintain the account
  • Stay within your balance by spending only the money you have, and benefit from no overdraft or NSF fees (this account is not eligible for overdraft services)
  • Free direct deposit and eStatements
  • Two free cashier’s checks per day if or when you need them (this account is not eligible for checks or checks writing²)
  • Free 24/7 Mobile App³ access including alerts, check deposit, bill pay, transfers to friends or other banks, and more
  • Free Debit Mastercard® with digital banking and surcharge-free access to nearly 30,000 CO-OP ATMs, plus zero-liability protection for unauthorized purchases⁴
  • Access to our Member Resource Center, with free tools, helpful articles, and support through our partners at GreenPath to help you achieve your financial goals
  • Relationship Rewards Program offering added Membership benefits and perks

 

Orange County's Credit Union - Access Checking 2023-2024.png
Safe and Affordable Access

Our Access Checking has been Bank On certified for meeting the National Account Standards as a safe and low-fee account with no overdraft or NSF fees.

Get a Fresh Start

Build or rebuild your banking relationship with Access Checking, a smart alternative to prepaid debit cards, payday lenders, and other higher-cost banking alternatives. If you have a minor blemish on your credit report and have not been able to get approved for a standard checking account, Access Checking may help you build a better financial future without all the high-cost fees.

Designed to help you get back on track and stay the course, Access Checking offers the tools you need to succeed:

  • Stay on top of low balances, deposits and withdrawals with free eAlerts.
  • Access free tools, resources and financial advice to help you work towards your future financial goals.
  • After 12 months of meeting account requirementsunlock Basic Checking as an option—or stay with Access Checking if you like the structure. Ask us for details.

Get a Fresh Start

Build or rebuild your banking relationship with Access Checking, a smart alternative to prepaid debit cards, payday lenders, and other higher-cost banking alternatives. If you have a minor blemish on your credit report and have not been able to get approved for a standard checking account, Access Checking may help you build a better financial future without all the high-cost fees.

Designed to help you get back on track and stay the course, Access Checking offers the tools you need to succeed:

  • Stay on top of low balances, deposits and withdrawals with free eAlerts.
  • Access free tools, resources and financial advice to help you work towards your future financial goals.
  • After 12 months of meeting account requirementsunlock Basic Checking as an option—or stay with Access Checking if you like the structure. Ask us for details.

Access Checking Account FAQs

Access Checking is specifically designed for Members who may have been denied a checking account at a traditional bank, or who are currently using a prepaid debit card or payday lender instead of a traditional checking account. With Access Checking, you can start to rebuild your banking relationship with safe and easy access and no surprise fees.

While Access Checking does not come with checks, you will be able to access your funds through your free Debit Mastercard® and Mobile Banking. You may also request free cashier’s checks (two free per day for Patron and Premier Members, and unlimited for Platinum Members) if or when you need them. In today’s digital world, you may find you rarely need actual paper checks!

Please note: it’s important that you do not attempt to order or write checks with this account. Doing so will result in account closure.

It depends. Stop by a branch so we can help you determine your options.

Once you open your Access Checking account, we’ll monitor specific criteria to ensure you’re in good standing. By practicing good financial habits consistently for 12 months, you’ll have the opportunity to switch to a Basic Checking account.

Over 12 consecutive months, you must have: no negative balance for more than one business day, no returned deposits, and complete at least one transaction, transfer, payment or deposit per month. In the event you miss a month, the 12-month period of monitoring will restart.

We want you to succeed, which is why we give you full access to our free tools and resources, plus free financial advice to help you start working towards your goals. For example, stay on top of your balance and track deposits and withdrawals with free eAlerts through Mobile Banking.³ Plus, get free access to GreenPath financial services for debt management, budget planning, and financial counseling. As your Credit Union, we are always here to help you with answers and advice.


Helpful Ways to Stay on Top of Your Account

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Digital Banking

Keep your account within reach with 24/7 access via Online or Mobile Banking³

eAlerts

Stay informed by setting customizable notifications for balances, transactions, and more³

Monitor

Keep tabs on your balance and spending, including recurring transactions like subscriptions and memberships

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Digital Banking

Keep your account within reach with 24/7 access via Online or Mobile Banking³


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eAlerts

Stay informed by setting customizable notifications for balances, transactions, and more³


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Monitor

Keep tabs on your balance and spending, including recurring transactions like subscriptions and memberships

A Winning Combination: Debit Mastercard® & Your Digital Wallet

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Make payments easily and securely using your iPhone®, iPad®, or Apple Watch®.

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Add your card to your Samsung® device and pay with just a tap.

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Use Google Pay™ for faster checkout with compatible devices.

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Membership requirements apply. $5 Membership fee. 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 for additional information. Ask us for details.

¹Eligibility requirements apply.

²Free Cashier’s Checks: Patron/ Premier– 2 free per day; Platinum – unlimited. Please note: It’s important that you do not attempt to order or write checks with this account. Doing so will result in account closure.

³Message and data rates may apply.

⁴Certain 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.

Apple Pay is a registered trademark of Apple Inc. Google Pay is a trademark of Google Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.