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Rewards Checking

Get a checking account that gives back. No matter which account you choose, you will enjoy debit card rewards and perks as well as these great features:

  • Debit Cards
  • Online Banking and Bill Pay
  • Credit Score Monitoring and Alerts
  • Mobile App with Smart Deposit
  • eStatements and eDocuments

As little as a $25 deposit will open your account and start earning rewards. Find the account that fits your needs.

 

Shop Till We Drop $500 In Your Account

Be the top debit card user in December or January and we will drop $500 into your Oklahoma Central Checking Account. Two winners...$500 each! Let the shopping begin!

Need an Oklahoma Central Checking Account or Debit Card? Compare our Rewards Checking Accounts below and apply today!

Full rules and details below

Points and Perks

With an Oklahoma Central debit card, you can earn UChoose points that build with each swipe and get instant perks at over 40 participating retail partners with Central Perks.

UCHOOSE REWARDSCENTRAL PERKS

Compare Oklahoma Central Credit Union Checking Accounts

Oklahoma Central Checking Accounts

Because people use checking accounts in many different ways, Oklahoma Central offers the convenience of many different account types. Use the chart below to find what will work best for you.

Product

Access Checking

CareFree

Smart Relationship

Minimum Opening Deposit

$25

$25

$25

Minimum Balance

$0

$0

$5000 daily combined balance under one member number

Monthly Service Charge

$10

$0

$10 if minimum balance is not maintained

Overdraft Protection**

Available

Available

Available

Debit Card

Yes $1/month w/ 4 ATM withdrawals

Yes w/ 4 FREE ATM withdrawals

Yes w/ unlimited FREE ATM withdrawals

FREE uChoose Rewards

X

X

X

FREE Unlimited Check Writing

X

X

X

FREE 24-Hour Bank-By-Phone

X

X

X

FREE Online Banking

X

X

X

FREE Mobile App w/ Smart Deposit

X

X

X

FREE E-Statements

X

X

X

FREE Financial Management Software

X

X

X

FREE Online Bill Pay*

X

X

X

FREE Image Checks

   

X

FREE Guaranteed Funds Checks & Money Orders

   

X

FREE Small Safe Deposit Box

   

X

Interest Paid on Balance over $2500

   

X

Ready to open an account?

Open An Account Open An Account

Open An Account

 

*with approval.

**Restrictions Apply.

Learn more about checking accounts.

CareFree Checking with Rewards

For members needing a basic checking account with no monthly fee, no minimum balance and lots of benefits, our CareFree checking account is the perfect fit.

Free checking at Oklahoma Central means no hidden costs, or buried charges, but lots of extras. So having a checking account is truly CareFree:

  • No Service Charges
  • Minimum deposit to open: $25
  • No minimum balance
  • Free debit card with uChoose Rewards
  • Free Bill Pay
  • Free online banking
  • Free mobile app with Smart Deposit
  • Free mobile and text banking
  • Overdraft protection
  • Courtesy Pay up to $500
  • Free eStatements
  • Free unlimited check writing
  • Free access to Money Management, our personal finance application
  • Accounts are insured up to $250,000 by the National Credit Union Administration and an additional $250,000 by Excess Share Insurance. Learn more about Account Insurance.

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Smart Relationship Checking with Rewards

For members that keep a higher balance in their accounts, our Smart Relationship checking accounts offer more benefits and the opportunity to earn interest with no monthly fee.

Our premier account offering free and discounted services to members maintaining a balance of $5,000 or more in any combination of deposit accounts:

  • No monthly fee if minimum of $5,000 is maintained in multiple deposit accounts
  • Interest paid on balances over $2,500
  • Free debit card with uChoose Rewards
  • Free Bill Pay
  • Free online banking
  • Free mobile app with Smart Deposit
  • Free mobile and text banking
  • Overdraft protection
  • Courtesy Pay up to $750
  • Free eStatements
  • Free unlimited check writing
  • Free guaranteed funds checks and money orders
  • Free small (3 x 5) safe deposit box, based on availability
  • Free access to Money Management, our personal finance application
  • Accounts are insured up to $250,000 by the National Credit Union Administration and an additional $250,000 by Excess Share Insurance. Learn more about Account Insurance.

Compare Checking AccountsOpen An Account

Access Checking with Rewards

For members who have had trouble managing a checking account in the past, our Access checking gives a second chance with lots of extras and minimal fees.

If your past affects your ability to open a regular checking account, you still have a chance to put yourself on the road to financial security with Access Checking, our second chance checking account.

  • Open your account with a $25 deposit
  • No minimum balance
  • $10 monthly service charge
  • Debit card (for $1 per month) with uChoose Rewards
  • Free Bill Pay
  • Free online banking
  • Free mobile and text banking
  • Unlimited check writing
  • Courtesy Pay up to $100
  • Free access to Money Management, our personal finance application
  • Overdraft protection
  • Accounts are insured up to $250,000 by the National Credit Union Administration and an additional $250,000 by Excess Share Insurance. Learn more about Account Insurance.

 

Compare Checking AccountsOpen An Account

*The prize will be awarded to two (2) winners who record the most debit card transactions. One winner will be selected for the month of December 2018. Contest time frame will be from 12:01 AM on 12/01/2018 through 11:59 PM on 12/31/2018. One winner will be selected for the month of January 2019. Contest time frame will be from 12:01 AM on 01/01/2019 through 11:59 PM on 01/31/2019. A member can only win one prize. In the event two members have the same number of transactions, the tiebreaker will be total dollar amount of qualifying transactions. Winners will receive a credit into their Oklahoma Central checking account for $500 USD. Prize as listed. No substitution will be allowed. All federal, state, and local tax liabilities are the sole responsibility of the winners. The winning money will be paid out on or around January 16, 2019 for the December winner and February 18, 2019 for the January winner. Must be eighteen (18) years of age or older. Winners will be notified by phone and or email. If Oklahoma Central is unable to contact a potential prize winner, if a potential prize winner fails to comply with any of the requirements, or if any prize or prize notification is returned as undeliverable, an alternate winner may be selected. Oklahoma Central Credit Union employees are not eligible for this promotion. Winners authorize Oklahoma Central to use their name and/or likeness in credit union materials as well as on social media.

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