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
- Direct Deposit
- Youth Club Accounts
As little as a $25 deposit will open your account and start earning rewards. Find the account that fits your needs.
FREE Debit Card Rewards Points
With an Oklahoma Central debit card, you can earn UChoose points that build with each swipe. Redeem points for travel, gift cards and more.
Momentum Checking with Rewards
For members that like to get cash back for their everyday spending habits. With our Momentum checking account, getting money back is not the only benefit of this account. It also comes with all of these great features:
Account features:
- Free Debit Card with Points and Perks
- Free Bill Pay
- Free online banking
- Free mobile app with Smart Deposit
- Free mobile and text banking
- Free eStatements and eNotices
- Free Credit Score Monitoring and Alerts
- Free access to Money Management, our personal finance application
- Direct Deposit
- Overdraft protection
- Courtesy Pay up to $750
- Free unlimited check writing
- Interest paid on balances up to $50,000
- 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.
OCCU Routing #: 303986096
Wilserv Routing #: 303986397
Qualifications:
(per qualification period)*
- Use your debit card for fifteen (15) non-ATM transactions
- $25.00 minimum balance to open account
- No dividends will be paid if all requirements are not met
- Current Rates
$0 - $9,999.99
6.00% APY*
$10,000 - $49,999.99
3.00% APY*
$50,000 - above
0.00% APY*
*APY - Annual Percentage Yield effective 07/01/25. Rates may change after account open. Dividends are compounded monthly. $25.00 minimum balance to open Momentum Checking account. APY earned based on the following tiers and requirements: 6.00% APY earned on balances from $0 to 9,999.99; 3.00% APY earned on balances from $10,000.00 to $49,999.99; 0.00% APY earned on balances over $50,000.00; Momentum Share Draft Accounts must meet the following account qualifications to earn the qualifying dividend rate and APY: Fifteen (15) Non-ATM debit transactions per qualification period. No dividends will be paid if all requirements are not met. Qualification period means a period of thirty-one (31) days preceding the 27th of each month. Fees could reduce the earnings on the account. Membership conditions may apply.
Pop Checking with Rewards
Unlock your potential!
Start building your financial future as early as age 13 with Pop Checking! This account is designed to help you build credit fast while supporting smarter saving, budgeting, and spending.
Key Features:
- For Ages 13 and Up: Open your account early and start your journey to financial independence.
- Educational Resources: Boost your financial knowledge with tools and tips that empower smarter, more informed decisions.
- Budgeting Tools: Track your spending, set goals, and effortlessly stay on top of your finances.
- Credit Building: Develop responsible financial habits and watch your credit score rise with our account features.
- Tap to Pay Debit Card: Enjoy points and perks with every purchase for added value.
- Free Credit Score Monitoring: Stay informed with free monitoring and real-time alerts to track your progress.
- Overdraft limit up to $100 (with Direct Deposit $200+)
- 1.00% APY* on balances over $0
- No Service Charges
- $25.00 minimum balance to open an account
- Free access to Money Management
- Free Debit Card, Bill Pay, and Online Banking
OCCU Routing #: 303986096
Wilserv Routing #: 303986397
*APY - Annual Percentage Yield effective 07/01/25. Dividend rate may change after account open. Stated rates subject to change. Dividends are compounded monthly. No minimum balance to earn APY. Fees could reduce the earnings on the account. Dividends are compounded monthly. Membership conditions may apply.
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
- $25.00 minimum balance to open account
- No minimum balance
- Free Debit Card with Points and Perks
- Free Bill Pay
- Free online banking
- Free mobile app with Smart Deposit
- Free mobile and text banking
- Free eStatements and eNotices
- Free Credit Score Monitoring and Alerts
- Free access to Money Management, our personal finance application
- Direct Deposit
- Overdraft protection
- Courtesy Pay up to $500
- Free unlimited check writing
- 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.
OCCU Routing #: 303986096
Wilserv Routing #: 303986397
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 daily balance is maintained in multiple deposit accounts under one member number
- Interest paid on balances over $2,500
- Free Debit Card with Points and Perks
- Free Bill Pay
- Free online banking
- Free mobile app with Smart Deposit
- Free mobile and text banking
- Free eStatements and eNotices
- Free Credit Score Monitoring and Alerts
- Free access to Money Management, our personal finance application
- Direct Deposit
- Overdraft protection
- Courtesy Pay up to $750
- Free unlimited check writing
- Free guaranteed funds checks and money orders
- Free small (3 x 5) safe deposit box, based on availability
- 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.
OCCU Routing #: 303986096
Wilserv Routing #: 303986397
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.
- $25.00 minimum balance to open account
- No minimum balance
- $10 monthly service charge
- Debit Card (for $1 per month) with Points and Perks
- Free Bill Pay
- Free online banking
- Free mobile app with Smart Deposit
- Free mobile and text banking
- Free eStatements and eNotices
- Free Credit Score Monitoring and Alerts
- Free access to Money Management, our personal finance application
- Direct Deposit
- Overdraft protection
- Courtesy Pay up to $100
- 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.
OCCU Routing #: 303986096
Wilserv Routing #: 303986397
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.
Minimum Opening Deposit
$25
$25
$25
$25
$25
Minimum Balance
$0
$0
$0
$0
$5000 daily combined balance under one member number
Monthly Service Charge
$10
$0
$0
$0
$10 if minimum balance is not maintained
Debit Card
Yes $1/month with 4 ATM withdrawals
Yes with 4 FREE ATM withdrawals
Yes with 4 FREE ATM withdrawals
Yes with unlimited FREE ATM withdrawals
Yes with unlimited FREE ATM withdrawals
Interest Paid
No
No
Yes
Yes on balances up to $50,000
Yes on balances over $2,500
Overdraft Protection**
Available
Available
Available
Available
Available
FREE uChoose Rewards
FREE Unlimited Check Writing
FREE 24-Hour Bank-By-Phone
FREE Online Banking
FREE Mobile App w/ Smart Deposit
FREE E-Statements
FREE Financial Management Software
FREE Online Bill Pay
FREE Image Checks
FREE Guaranteed Funds Checks & Money Orders
FREE Small Safe Deposit Box
**Restrictions Apply.
Direct Deposit
We make it quick and easy to have your paycheck automatically deposited into your checking or savings accounts. Direct deposit is free and offers you greater security and immediate access to your money.
Get started by contacting your HR department - What they may need:
- Your OCCU routing number- 303986096 (former Wilserv Members - 303986397)
- Your OCCU account number (checking or savings)
- Our Credit Union's address (4956 S. Peoria Ave., Tulsa, OK 74105)
- An OCCU voided check (if needed by your HR department)
*With qualified account and approved credit. Some restrictions apply. Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s submission of deposits. These deposits are generally posted on the day they are received, which may be up to two days earlier than the payer’s scheduled payment date. Exceptions may apply.
Related Educational Opportunity
Explore common features of checking accounts and how they work so you can choose the account that works best for you. Compare common payment options such as electronic checks, credit cards, and debit cards.
