When you want a checking account that matches your spending style, you need convenience without unexpected costs. OCCU checking accounts are designed for simplicity, with zero fees, and Momentum checking for cash back for your everyday spending habits.
Our CareFree Checking accounts are perfect for members needing a basic checking account with no monthly fee, no minimum balance, and lots of benefits. Enjoy simplified checking with a free debit card, online banking, credit score monitoring, direct deposit, and access to our mobile app with smart deposit.
Do you want your checking account to work harder for you? Then our Momentum Checking may be right for you! With Momentum Checking, Owasso members can get cashback for everyday spending, and all you need to do is use your debit card fifteen times or more for non-ATM transactions per qualification period.
As with CareFree checking, there is a $25 minimum balance to open the account. Momentum Checking accounts provide the same features as CareFree checking accounts, though the courtesy pay jumps from $500 to $750, and you can start earning interest on balances up to $50,000.
*APY - Annual Percentage Yield effective 01/01/26. 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.
For Families
An easy-to-use checking account is a great way to introduce your teen to fiscal responsibility and smart spending habits. Pop Checking is the ideal teen checking account for Owasso youths to build credit while supporting smarter saving, budgeting, and spending choices. Your teen will have access to educational resources to boost financial knowledge, budgeting tools to make it easy to track spending, and free credit score monitoring with real-time alerts. With free debit cards, bill pay, and online banking, your teen will have all the tools to effortlessly manage their income and spending habits to stay on top of finances and save for the future. Pop Checking also offers points and perks with every purchase, making every dollar go further.
Your Trusted Local Owasso Banking Partner
At OCCU, we love being part of the Owasso community, and we strive to make family banking easy and even enjoyable. Our branch is conveniently located at 12901 East 116th Street N (at the corner of 116th & 129th). With shared branching services, you have access to your money at credit unions nationwide, right alongside the convenient community banking experience that you depend on for day-to-day financial interactions. Our checking accounts for families in Owasso, OK come with plenty of great benefits to meet various needs and spending styles. We also offer a full line of financial services and tools for business banking, financial planning, and loans.
A visit to OCCU in Owasso gives you immediate access to friendly conversation and professional advice. Bring in the piggy bank and cash out your change at self-service coin counting machines right in our lobby. Chat with our friendly staff members to learn more about our financial education resources, the benefits of a credit union checking account in Owasso, and our full line of banking solutions, including business banking and loans.
Find Your Ideal Checking Account at OCCU
When you're ready to open a checking account in Owasso, bank with a local partner that serves the entire community. Our friendly, knowledgeable staff members are happy to answer your questions about checking account features and financial services. From checking accounts to financial education and business banking, we have the tools to help you meet your financial goals. Ready to get started with convenient checking accounts in Owasso, OK? Click here to compare our checking accounts, or to open an account online. You can also click here to schedule an appointment at our Owasso branch.
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