Everyday Checking
The Essentials and Then Some
Everyday Checking
The Essentials and Then Some
It's More Than Just a Checking Account
Open In Branch
30,000 CO-OP ATMs
Digital Wallet Compatible
Mobile Apps & Alerts
Free Bill Payment
Everything You Need in One Account
This account is recommended for Members seeking daily essentials, convenience without the high minimums, and earning dividends to help your money work harder.
- Minimum opening deposit of just $25
- Monthly service fee of $6 waived with one of the following:
- Combined direct deposit of $500 or more¹
- 8 qualifying debit card purchases per month²
- Members age 62 or over
- No minimum balance requirement to maintain the account
- Dividends are compounded daily and paid monthly on average daily balance of $1,400 or more
- Get paid up to two days faster³ with free direct deposit
- Free 24/7 Mobile App⁴ access including alerts, check deposit, bill pay, transfers, Zelle® to send and receive money⁵, and more
- Free Debit Mastercard® with access to nearly 30,000 CO-OP surcharge-free ATMs, plus zero-liability protection for unauthorized purchases⁶
- Free eStatements
- This account is eligible for overdraft services. Ask us for details.
- 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
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 Banking4
eAlerts
Stay informed by setting customizable notifications for balances, transactions, and more4
Monitor
Keep tabs on your balance and spending, including recurring transactions like subscriptions and memberships
Everyday Checking is ideal for Members looking for an account that does it all - makes it easy to manage money and daily banking needs while having the added benefit of earning dividends. All with simple convenience and low-to-no fees or minimums.
You can avoid the monthly service fee of $6 for Everyday Checking a few different ways:
- Combined direct deposit of $500 or more to your account each month1
- Make 8 or more qualifying debit transactions per month2
- If you're age 62 or older
Your dividends will be posted each month, and you can see it on your monthly statement or in your transactions in Mobile and Online Banking.
Yes. Your Credit Union Debit Mastercard is compatible with Apple Pay, Google Pay, and Samsung Pay®.
Orange County's Federal Credit Union belongs to the CO-OP ATM Network, a nationwide network of more than 30,000 surcharge-free ATMs that includes other credit unions, convenience stores, and other convenient locations. Use our ATM locator online or in Mobile Banking to find an ATM near you.
Make every day easier with Everyday Checking today.
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Disclosures:
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 for additional information. Ask us for details.
1 Qualifying direct deposits are electronic deposits of your paycheck, pension, Social Security, or other regular monthly income totaling $500 or more during the monthly statement cycle. Transfers between accounts, mobile deposits, ATM deposits, and person-to-person payments do not qualify as direct deposits.
2 Qualifying debit card purchases include debit card purchases made at point-of-sale using signature or PIN, or purchases made electronically or online using your debit card number, including recurring payments. Qualifying debit card purchases must post and settle during the monthly statement cycle.
3 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Funds may be made available up to two days earlier than the scheduled payment date but are not guaranteed. Availability may vary.
4 Message and data rates may apply.
5 To 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.
6 Certain 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.