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).
Everyday Checking
The Essentials and Then Some
Everyday Checking
The Essentials and Then Some
It's More Than Just a Checking Account
Get Started
30,000 CO-OP ATMs
Digital Wallet Compatible
Mobile Apps & Alerts
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 following¹:
- Combined direct deposit of $500 or more per month
- 8 qualifying debit card purchases per month
- Members age 62 or over
- $1,400 minimum balance to earn dividends
- Get paid up to two days faster2 with direct deposit
- 24/7 Mobile App3 access including alerts, check deposit, bill pay, transfers, Zelle® to send and receive money4, and more
- Debit Mastercard® with access to nearly 30,000 surcharge-free CO-OP ATMs and zero-liability protection for unauthorized purchases5
- 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
Turn Everyday Purchases Into Savings
Your everyday spending can help you save. Roundup Savings rounds eligible debit card purchases to the nearest dollar and puts the difference toward your savings, be donated to CHOC Foundation, or both. Set it up and track your progress through My Savings Center in Digital Banking.
Helpful Ways to Stay on Top of Your Account
|
|
|
|
|||
|
|
|
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
Everyday Checking is ideal for Members looking for an account that does it all, helping you manage everyday banking needs while earning dividends with simple convenience and low fees.
You can avoid the monthly service fee of $6 for Everyday Checking a few different ways1:
- Combined direct deposit of $500 or more to your account each month
- Make 8 or more qualifying debit card purchases per month
- 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.
Latest Articles & Stories
2 Min. Read
3 Min. Read
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.
1 Monthly service 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.
2 Early 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.
3 Message and data rates may apply.
4 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.
5 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.
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.