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Flexible Features to Help Manage Your Funds

This account is recommended for Members who need a simple checking account with added no-cost and low-cost payment protection options.

  • Minimum opening deposit of just $25
  • Monthly service fee of $10 waived with one of the following:
    • Direct deposit
    • 8 qualifying debit card purchases per month¹
    • Premier or Platinum Relationship Rewards levels
    • Members age 62 or over
  • No minimum balance requirement to maintain the account
  • No overdraft or NSF fees²
  • Layers of transaction coverage:
    • Free Overdraft Protection when linked to an eligible savings or other deposit account with fee-free transfers
    • Built-in overdraft-only $500 line of credit with no annual fee and a competitive, low rate of 13% APR
  • This account is not eligible for Courtesy Pay
  • 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
  • Free direct deposit and eStatements
  • Two free boxes of Credit Union custom-design personal checks per year
  • 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

 

Flexible Overdraft Protection

Guard your account from accidental overdrafts. With Plus Checking, your account comes with options to give you peace of mind, with layers of overdraft protection, and without overdraft or NSF fees.

Overdraft Protection, when linked to an eligible deposit account, can cover an accidental overdraft without paying a transfer fee, up to your available balance or limit.

With the $500 Overdraft Line of Credit, if your checking account balance goes below $0, your line of credit automatically transfers the funds to cover the transaction, up to your available limit.²

 

 

Helpful Ways to Stay on Top of Your Account and Avoid Overdrafts

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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

Plus Checking Account FAQs

If your checking account doesn’t have enough funds to cover a transaction, funds will be automatically pulled from the Plus Checking line of credit to cover the transaction, up to your available limit. For example, if you make a purchase for $25 but your current Plus Checking account balance is only $15, the $10 difference would automatically be paid from your line of credit (when chosen as your primary overdraft option).

No. Unlike a more traditional line of credit, the Plus Checking line of credit can be used only as an overdraft protection resource.

No. When you’re approved for a Plus Checking account, your $500 line of credit is automatically approved. There is no additional application.

No. You will need to elect to participate in fee-free Overdraft Protection from an eligible account. Ask us for more details about eligible accounts and what overdraft protection options may be best for your needs.

You’ll be able to choose the order of your overdraft protection options. In general, if you choose your line of credit as the primary option, and you overdraft more than $500, any subsequent transactions would draw from your designated Overdraft Protection account, up to your available balance or limit. Ask us for details regarding your options.

If your Plus Checking account balance is $0, and you don’t have enough funds in any linked overdraft protection option to cover a transaction, the transaction may be declined. Plus Checking declined transactions will not be charged an overdraft or NSF fee by Orange County’s Credit Union.

Please note: you may incur fees with merchants or other institutions for declined transactions.

You have the option to pay off your balance immediately or pay the balance off over time with accrued interest. Your Plus Checking line of credit features a low, competitive rate with no annual fee. View Rates, Terms, and Conditions.

Tip: Set up "auto pay" to help ensure your payment is made on time. Ask us how.

Since there’s no annual fee, you won’t be charged interest or any fees. Have added peace of mind knowing it’s there in case of unexpected overdrafts.

There are no overdraft or NSF fees for your Plus Checking account.

Any overdrafts attached to the Plus Checking line of credit will incur interest based on rates. If you elect to also use free Overdraft Protection from an eligible deposit account, transfers from that account are also fee-free.


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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Open Now
Open Now

 

Looking for a checking account that earns dividends? Take a look at Interest Checking.
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Unsecured Plus Checking Line of Credit
Interest Rates and Interest Charges
Annual Percentage Rate (APR) Your APR will be 13.00%
Fees

Penalty Fees

 
  • Late Payment Fee

5% of the sum of scheduled payments due or $5.00, whichever is greater.

  • Returned Payment Fee

$18.00

How We Will Calculate Your Balance: We will use a balance computation method called daily balance.

 

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.

¹Qualifying debit card purchases include debit card purchase made at point-of-sale using signature, PIN, or a purchase 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.

²Overdraft attached to line of credit will incur interest based on rates.

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.