Rewards Checking

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.

Learn more about UCHOOSE REWARDS

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:

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.

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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 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.

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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.

• $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.

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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.

**Restrictions Apply.

Direct Deposit

_{*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.}

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 10/01/23. 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: 5.25% 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.