Checking
A menu of options
At Oregonians, we've got a menu of checking options designed with you in mind. If you're not sure which account is right for you, reach out to us - we're here to help.
Our line-up of free accounts:
Great if you:
Use your debit card frequently and you'd like to earn cash every time you use it.
Great if you:
Keep over $1,500 in your account and you'd like to earn interest on your balance.
Not a member?
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Great features come free with our accounts:
|
Online Banking & Bill PayYour virtual Oregonians branch that's available 24/7. |
Oregonians Mobile AppMake transfers, pay bills, deposit checks, and more. |
Mobile DepositDeposit checks using your smart phone anywhere, anytime. |
|---|---|---|
|
Mobile WalletsCompatible with Apple Pay, Samsung Pay & Google Pay. |
MyAlertsReal-time text alerts to keep you informed on your account activity. |
30,000+ Fee-Free ATMsPlus six free out-of-network ATM transactions per month. |
Compare the details
| My Checking | My Rewards | My Interest | |
|---|---|---|---|
| Minimum opening deposit | $50 | $50 | $50 |
| No maintenance fee | ✔ | ✔ | ✔ |
| No minimum balance requirements | ✔ | ✔ | $1,500 to earn interest |
| Free digital access | ✔ | ✔ | ✔ |
| Free VISA® debit card with six free out-of-network ATM transactions per month | ✔ | ✔ | ✔ |
| Unlimited access to 30,000+ surcharge-free CO-OP ATMs nationwide | ✔ | ✔ | ✔ |
| Free, unlimited use of our coin machines | ✔ | ✔ | ✔ |
| Overdraft protection available | ✔ | ✔ | ✔ |
| Earn up to 15 cents per debit transaction | ✔ | ||
| Earns interest | ✔ |
OPEN A CHECKING ACCOUNT view fee scheduleVIEW CURRENT RATES
Checking menu
My Rewards Checking
The highest-paying FREE cash rewards account in Oregon*
Make the most of your Oregonians membership with My Rewards Checking. Not only is it the highest-paying cash rewards checking account in Oregon, but My Rewards has unlimited earning potential and pays you cash every month you use your Oregonians VISA® debit.
How it works: you swipe, we pay you cash. It's that simple, and there's no gimmicks or monthly maintenance fees. Here's what you'll earn:
- Earn 10 cents for every debit transaction over $51
- Earn an extra 5 cent premium2 if your loans with us total $10,000 or more
Rather than paying a bank for a checking account you don't even like to use, we'll be paying you when you choose to swipe your Oregonians card.
How do I activate My Rewards?
The My Rewards cash payouts are activated when you meet the following requirements on a monthly basis:
- Enrolled in e*Statements
- Receive a MyAlert
- Direct deposit of $500+
- Login to Online Banking or our mobile app
*As of 12/20/2022, Oregonians pays the highest potential dollar amount per debit transaction of all financial institutions with physical branch locations in the State of Oregon that promote a cash back checking product on a publicly available website. This statement is accurate as of the stated time of research.
1In order to receive the My Rewards Checking monthly cash reward, all four My Rewards requirements must be met as of the last day of the rewards account cycle. A My Rewards Savings will be opened with your My Rewards Checking and your cash reward will be posted to the savings no later than the 5th day of the month following the close of the rewards account cycle. The account cycle runs from the first day of the month to the last day of the month. You will not receive a reward payout the month you close your account or if your account is not in good standing.
2The loan premium balance requirement applies to secured loans and can only be earned during the first twelve months following your My Rewards Checking account opening.
My Interest Checking
Earn interest on balances over $1,500
In today's economic environment, every penny counts. My Interest Checking has no maintenance fee and lets you earn interest without sacrificing the liquidity of your funds.
Account features:
- Earn interest on balances over $1,500
- Free VISA debit that's compatible with mobile wallets
- Six free out-of-network ATM transactions per month
- Access to 30,000+ ATMs nationwide
- Free mobile app, online banking, and bill pay
My Checking
We get it: basic is best
No maintenance fee, no balance minimums, no fancy gadgets. But a checking account doesn't have to be "basic" when it comes with everything you need, plus a little extra. My Checking is loaded with great features that lets you keeps things convenient and simple.
Account features:
- Free VISA debit that's compatible with mobile wallets
- Six free out-of-network ATM transactions per month
- Real-time alerts on your account activity
- Access to 30,000+ ATMs nationwide
- Free mobile app, online banking, and bill pay
VISA® EMV debit card
EMV chip technology means each transaction you make is guarded with a unique security code to help protect you against counterfeit fraud. Your Oregonians debit card is loaded with these great features:
- Six free out-of-network ATM transactions per month
- Part of the Co-Op Network of 30,000+ surcharge-free ATMs nationwide
- Compatible with Apple Pay, Google Pay and Samsung Pay
Mobile wallets
A mobile wallet can take the place of your physical Oregonians debit card. Our debit cards are compatible with Apple Pay, Google Pay and Samsung Pay.
Oregonians ATMs
30,000 surcharge-free ATMS coast-to-coast
From Portland to Providence, you've got surcharge-free access to over 30,000 ATMs nationwide in places you shop, like Costco and 7-Eleven. Just look for the CO-OP symbol on the ATM.
- Over 7,500 CO-OP ATMs accept your deposits
- 117 international ATMs in Puerto Rico, Canada and Europe
Text your ZIP code to 91989 to find an ATM near you, or find one here.
Plus, all Oregonians ATMs outside our branches are Smart ATMs that accept your cash and check deposits.
What if I can't access a CO-OP ATM?
Good news is, you get six free ATM transactions at out-of-network ATMs each month. If you use an out-of-network ATM, we won't charge you a fee but the ATM bank might.
Bank from anywhere
If you leave Oregon, you don't have to leave Oregonians
You can visit over 5,600 CO-OP Shared Branches nationwide and feel right at home when you step inside to do your "branch banking":
- Make deposits, withdrawals & transfers
- Make loan payments
- Receive loan advances
Many CO-OP Shared Branches offer statement histories, cashier's checks, and notary services; but it's best to give the location a call to confirm before visiting.
CO-OP offers a 24/7 call center open 363 days per year, that's free for members. Call 888-837-6500 to transfer funds between two of your own participating credit union accounts, make loan payments, or get balance and transaction information.
