Credit Union Checking Accounts

A credit union checking account works like any checking account. You can deposit money, pay bills, use a debit card and withdraw cash. The difference is that credit unions are owned by their members, so they focus on member value rather than shareholder profits. 

You can open an account online in minutes or visit a local branch to get started. 

You’ll need a valid ID, Social Security number, and a $25 minimum opening deposit. 

No. None of our checking accounts have monthly service fees, and there's no minimum balance required to keep your account open. You'll just need a $25 deposit to open an account.

Yes. Momentum Checking and Pop Checking offer interest on qualifying balances. 

The best account depends on your goals. If you want to earn interest, Momentum Checking may be the right fit. If you prefer a free, no-fee option, CareFree Checking is a great choice. Compare our checking accounts to find the right fit for you!

Yes. At Oklahoma Central, checking accounts are insured up to $250,000 by the National Credit Union Administration (NCUA), plus an additional $250,000 by Excess Share Insurance. 

Yes, overdraft protection is available on all of our checking accounts. Restrictions apply. Learn more about overdraft protection. 

Both offer the same everyday features, like debit cards, direct deposit and online banking. The main difference is ownership: credit unions are owned by their members, while banks are owned by shareholders. See how credit unions compare to banks.