Remarkable Checking. The account that pays you back.

You work hard for your money. Now your money can return the favor.

Get paid to do the things you already do. If that sounds remarkable that’s because it is. Remarkable Checking gives you a nice interest rate, free ATM use, a free debit card and oh so much more just for swiping your debit card and using online services to access your account 24 hours a day, seven days a week.

Here’s why you’ll love it:

  • Earn 1.35% APY* on balances up to $20,000 when you qualify each month*
  • Use any ATM for free**
  • No minimum balance
  • No monthly service fee
  • Free Internet Banking
  • Free MyOCCU Mobile Banking, including the ability to deposit a check and pay a bill right from any iPhone or Android phone!
  • Free debit card – we even have a Duck Debit card that lets you show your UO pride with every purchase!

Open an Account

Already a member? Sign in to Internet Banking and select the Open Account tab to get started.

Qualifying for rewards is easy and no additional tracking, paperwork or hassle is required. To qualify, simply do these four things each month -

  • 12 debit card transactions cleared through the account each month
  • 1 ACH deposit or withdrawal each month
  • 1 login to Internet Banking or Mobile Banking each month
  • Maintain active enrollment in eStatements

Ready for something Remarkable? Click the link above, stop by any branch location or give us a call at 800.365.1111.

* 1.35% APY on the first $20,000 and .30% APY on balances greater than $20,000 subject to the following qualifying factors (the “Qualifying Factors”) being met during each statement cycle: i) 12 debit card transactions must clear through your account during the cycle; ii) one direct deposit or other ACH credit or withdrawal must clear through your account during the cycle; iii) one login to Internet Banking or MyOCCU Mobile during the cycle; and iv) maintain active enrollment in eStatements during the cycle. If one or more of the Qualifying Factors are not met, you will receive default interest of .05% APY for that statement cycle. APYs effective 08/18/2014 and subject to change at any time.

** Foreign ATM fees charged by non-OCCU and non-Co-Op financial institutions for the use of their ATMs will be automatically credited back to your account by OCCU at the end of the statement cycle. This credit is subject to meeting the Qualifying Factors. Statement cycle = first day of the calendar month to the last day of the calendar month. Example – May 1 – May 31.

The Wow Account

Lots of extras, lots of free.

Well, you found it. Here's the perfect checking account that pretty much offers you everything for nothing. You can access it anywhere – online, on your mobile device or at any branch or ATM. And it's totally free when you enroll in eStatements. Everyone loves free. Plus it comes with the friendly local service you’d expect from Oregon Community. No wonder we call it WOW.

Open an Account

Already a member? Sign in to Internet Banking and select the Open Account tab to get started.

A few reasons to love it:

  • No minimum balance
  • No monthly service fee*
  • Free mobile app and Internet Banking
  • Free mobile deposit
  • Free basic debit card
  • Free ATMs – more than 30,000 of them nationwide!
  • Free online bill pay
  • Free eStatements* - go trees!

To open your account

Click the link above, stop by any branch location or give us a call at 800.365.1111.

*If you un-enroll for eStatements, your account will no longer qualify for WOW status and will be charged a monthly $8 non-qualification fee.

Simplicity Checking

The easiest checking account you’ve ever had. Really.

Get everything you need and nothing you don’t. Simplicity Checking is just what the name says. It makes life simpler in so many ways.

Open an Account

Already a member? Sign in to Internet Banking and select the Open Account tab to get started.

Simplicity Checking

  • Free Internet Banking
  • Free Bill Pay
  • Free Debit Card
  • Free eStatements
  • Earn Interest Every Month
  • $300 Minimum Balance*

To open your account

Click the link above, stop by any branch location or give us a call at 800.365.1111.

*If balance falls below $300 at any one time during the month, there will be a $5 Account Service fee.

Business Checking

Taking care of business—your business

Our Business Checking helps you take care of the bottom line. And, your account is free as long as you maintain the minimum balance.

Business Checking

  • Free Debit Card
  • $100 minimum deposit to open an account
  • No service fee with minimum $1,000 balance*
  • FREE unlimited access to Internet Banking and Bill Pay
  • FREE Mobile Banking and Mobile Deposit
  • FREE eStatements
  • FREE deposit services for up to 200 items per month

To open your account, see one of our Business Specialists, available at our Downtown, Coburg Road, South Eugene and Salem Service Center locations. Call us at 541.687.2347 for more information.

* If balance falls below $1,000 at any one time during the month, there will be a $10.00 fee Account Service fee.

To see the rates and fees for this account, click here.



The OCCU Debit Cards

With an OCCU debit card, purchases are simple and secure. You can even track your expenses and manage your budget through our monthly statements or Internet Banking. Whether you prefer the standard OCCU card or want to show your Duck pride, we've got the card for you!

Now using your debit card is easier and better than ever with Apple Pay. Learn More about  today!

How do our debit cards keep you safe?

  • Our new debit cards include secure microchips that generate unique, one-time transaction codes that are virtually impossible to counterfeit. To get the most security, use your card to pay at a chip-reading payment terminal whenever possible.
  • Our real-time fraud monitoring screens monitors for suspicious activity 24/7. If we see something unusual, we text you to let you know immediately.
  • Visa security and protection benefits help prevent, detect and resolve fraud.

You’re also covered by the extra protection of Visa

As an OCCU cardholder, you’re protected by Visa Security and Protection benefits, whether you shop online, press “credit” at the keypad and sign for your purchases and even when no signature is required.


  • The 3-Digit security code on each of our debit cards helps prevent fraud by offering extra security when you use your card online or over the phone. As well, using a personal password with Verified by Visa protects you whenever you make purchases at participating online merchants.


  • With Visa’s Zero Liability policy,* you don’t have to worry about paying for unauthorized purchases. As well, replacement funds ensure that any money taken from your account because of fraudulent use will be returned. Visa also grants you access to Identity Theft Assistance, which helps you regain control of your account if you suspect you’ve been a victim of card fraud.


Learn More About Chip Cards


* Covers U.S.-issued Visa Debit/check cards only. Does not apply to ATM transactions or PIN transactions not processed by Visa. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For specific restrictions, limitations and other details, please consult your issuer.

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