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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:

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

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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

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:

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Qualifications:

(per qualification period)*
  • Use your debit card for thirty non-ATM transactions
  • Have direct deposit of at least $1,500
  • Pay three bill by ACH or BillPay
  • Ongoing enrollment in eStatements and eNotices through Online Banking
  • $25.00 minimum balance to open account
  • Minimum $100.00 average daily balance to avoid $10 monthly service fee
  • No dividends will be paid if all requirements are not met
  • Current Rates

    Term

    Rate

    $0 - $10,000

    2.50% APY*

    $10,000.01 - $50,000

    0.15% APY*

    $50,000 - above

    0.00% APY*

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:

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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:

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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.

 

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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

Momentum

Smart Relationship

Minimum Opening Deposit

$25

$25

$25

$25

Minimum Balance

$0

$0

 $100 daily average balance

$5000 daily combined balance under one member number

Monthly Service Charge

$10

$0

$10 if daily average balance is not met 

$10 if minimum balance is not maintained

Debit Card

Yes $1/month with 4 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 on balances up to $50,000

Yes on balances over $2,500

Overdraft Protection**

Available

Available

Available

Available

FREE uChoose Rewards

X

X

X

X

FREE Unlimited Check Writing

X

X

X

X

FREE 24-Hour Bank-By-Phone

X

X

X

X

FREE Online Banking

X

X

X

X

FREE Mobile App w/ Smart Deposit

X

X

X

X

FREE E-Statements

X

X

X

X

FREE Financial Management Software

X

X

X

X

FREE Online Bill Pay

X

X

X

X

FREE Image Checks

     

X

FREE Guaranteed Funds Checks & Money Orders

     

X

FREE Small Safe Deposit Box

     

X

Ready to open an account?

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**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.

What you will need to set up Direct Deposit:

When your employer gives you the direct deposit form, you’ll need the following:

  • Routing number:
    • Oklahoma Central Members - 303986096
    • Former Wilserv Members - 303986397
  • Your account number (MICR) that appears at the bottom of your checks or can be found within online banking.
  • A voided check. If you do not have a checkbook, you can stop by any branch to get a sheet of checks.

For more information on setting up direct deposit, contact your employer's Human Resources department.

*APY - Annual Percentage Yield effective 04/01/20. 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: 2.50% APY earned on balances from $0 to $10,000; 0.15% APY earned on balances from $10,000.01 to $50,000; 0.00% APY earned on balances over $50,000; Momentum Share Draft Accounts must meet the following account qualifications to earn the qualifying dividend rate and APY: Thirty (30) Non-ATM debit transactions per qualification period, direct deposit of at least $1,500 per qualification period, ongoing enrollment in eStatements and eNotices through Online Banking, three (3) bills paid by ACH or BillPay through Online Banking per qualification period (Qualification period for bills paid through BillPay will be based on the previous qualification period, not the current). 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.

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.

Learn more

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