In observance of Veterans Day, all our branches will be closed on Wednesday, November 11. We will resume regular business hours on Thursday, November 12. As always, our online and mobile banking services are available 24/7 for your convenience. --
Scams are on the rise. Note that we will never reach out to you and ask for a one-time passcode, card number or CVV, username or password. To safeguard your identity and protect your finances, if you receive a call, text, or email that asks you for this information, hang up or don’t reply; otherwise, you may lose funds. Call us directly at 888 354 OCCU (6228).
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 Deposit³ | » | Send and Receive Money from People You Trust with Zelle®⁴ |
| » | Free Access to 40,000+ CO-OP ATMs Nationwide | » | Free eAlerts & eStatements |
| » | Relationship Rewards Program | » | Bill Pay and Mobile Deposit¹ |
| » | NCUA Insured | » | Financial Resources & Tools |
Turn Everyday Purchases Into Savings
With Roundup Savings, eligible debit card purchases from an eligible checking account can automatically help you save, donate to CHOC Foundation, or do both. Your eligible purchases are rounded up to the nearest dollar, and the difference goes where you choose. Manage it all through My Savings Center in Digital Banking.
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 40,000+ 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.
Trust accounts, Business accounts, and Fiduciary accounts are not eligible to participate in Round Up Savings. Members with a non-U.S. address are not eligible to participate in Round Up to Charity. Refer to our Account Agreement, Truth-In-Savings, and Electronic Funds Transfers Disclosure Agreement for terms and conditions applicable to your accounts.
Roundup for Savings Program: You must be 18 years of age or older to enroll in the Round Up Savings Program. For each eligible settled debit card transaction you make we will round up the amount of any debit card purchase associated with the enrolled Checking or Savings Account to the nearest whole dollar and transfer the excess of the settled purchase amount to your enrolled share account. If you receive a new debit card due to your current card being lost, stolen, or reissued, your participation in the program will continue. There is no need to re-enroll in the program. If on any given day your checking account does not have sufficient available funds to round up, no transfers to savings will occur. Transfers will resume for eligible transactions the next day that sufficient funds are available. Round ups can be instantly disabled at any time.
Donations are made to Spiral Giving Network, Inc. (SGN), a 501(c)(3) charity, which takes legal control of donations and disburses funds to your selected causes or recommended charity. Charities will receive donations, less fees to SGN. SGN donation processing fees are 2.05% of your round-up amount. Donations are generally non-refundable, any donation that was made in error or was not authorized by you will be reviewed on a case by case basis. Refunds are not guaranteed.