Earn More with Rewards Checking in Tulsa, OK

How Customers Earn

At OCCU, members earn rewards on everyday purchases, no matter which checking account they choose. Simply open an account with as little as $25, register for our free uChoose Rewards® program, and you’re ready to start earning.

With uChoose, your points build with every swipe of your OCCU debit card. It’s a seamless way to turn daily spending into travel, gift cards, and more.

Momentum Checking with Rewards

Why choose between earning interest and getting cash back? With Momentum Checking, you get both. You’ll earn interest on your daily balance just for keeping your funds with us, plus cash back on everyday spending to help cover those Tulsa entertainment expenses.

To unlock your full earning potential, just open your account with $25 and register for our free uChoose Rewards® program. Once you're in, every swipe of your OCCU debit card builds points for travel and gift cards, while your account features like free bill pay and $750 in courtesy pay keep your banking seamless.

Pop Checking with Rewards

This rewards account is perfect for anyone looking to support saving, budgeting, and spending. Individuals as early as 13 years of age can open a Pop checking account.

Additional features include educational resources to boost financial knowledge, budgeting tools, free credit score monitoring, an overdraft limit of up to $100 when you deposit $200+, and more. **

Carefree Checking with Rewards

For those interested in a basic checking account while still earning rewards, a Carefree Checking with Rewards is an excellent choice. Members benefit from no service charges, free bill pay, courtesy pay up to $500, free unlimited check writing, and a host of other features.

Compare OCCU checking accounts

OCCU Rewards Checking vs. Traditional Checking Accounts

While many consumers opt for checking accounts at traditional banks, opening a rewards checking account at OCCU enables members to maximize their benefits.

At OCCU, we make it easier for members to own a checking account by offering significantly lower fees. In fact, each of our accounts only requires a $25 opening deposit, with no minimum balance and no monthly service charge. Each of our accounts also offers free image checks, free guaranteed funds, checks, and money orders, and a free small safe deposit box.

Another advantage is that members can benefit from OCCU's competitive, high-interest yield account. For instance, members who open a Momentum Checking with Rewards can earn up to 6% APY*. On the other hand, most banks offer 0% interest on standard checking accounts.

Along with a variety of account options, we value personalized customer service over automated interactions. Our goal is to bridge the gap between our members' financial needs and goals by providing community-focused service and personalized financial solutions.

Requirements

Here at OCCU, we strive to make opening and maintaining your checking account as seamless as possible. Here are a few requirements based on each account type:

• Momentum Checking: Members must open their account with at least $25 and use their debit card for fifteen (15) non-ATM transactions per qualification period. Note: No dividends are paid out if all requirements are not met.
• Pop Checking: Members must be at least 13 years old to open an account and deposit at least $25.
• Carefree Checking: Members must deposit at least $25.
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Learn more about our banking services today

Oklahoma Central Credit Union is here to help, whether you're interested in taking out a loan or you're looking for a checking or savings account to fit your financial habits.

Learn more about our banking services today by contacting us or scheduling an appointment. We're ready to find the right financial solution for your needs.

*Momentum Checking 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.

** Pop Checking with Rewards APY - Annual Percentage Yield effective 04/01/26. 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.