Checking Accounts

What are your checking account options?

Oregonians CU offers a variety of checking accounts to meet your needs. Whether you're looking for an account that pays you cash rewards, or an account with a higher interest rate - we've got you covered.

Our three checking accounts to choose from are:

  • My Rewards Checking
  • My Interest Checking
  • My Checking

To compare checking accounts, click here.

What is the difference between a non-sufficient funds fee (NSF) and an overdraft fee?

A non-sufficient funds (NSF) fee is the fee charged when an item attempts to clear an account and there are not sufficient funds to pay it. These items are returned unpaid and an NSF fee of $20 per item is assessed to the account. The maximum NSF charge is $60 per day.

An overdraft is when the credit union automatically transfers funds from savings or an Overdraft Line of Credit to cover an item presented in your checking. Your first 3 overdrafts per month from savings are free, each additional transfer is $10, up to a maximum of 6 transfers per month as stated by Federal Regulation D. Transfers from an Overdraft LOC are $2 per transfer, with no monthly maximum.

How much does it cost for a check/draft stop payment?

The fee for a stop payment on a check is $20 per check with a maximum of $60 per series.

https://www.oregonianscu.com/PDFs/acctfees.pdf

Why am I not earning cash rewards on My Rewards Checking?

My Rewards Checking is a checking account with no monthly maintenance fee or minimum balance requirements. However, in 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. The rewards account cycle runs from the first day of the month to the last day of the month.

My Rewards Requirements to Earn Cash Rewards

  1. Be enrolled in e*Statements.
  2. Have a singular direct deposit over $500.
  3. Receive a MyAlerts notification
  4. Log in to Online Banking or the Oregonians mobile app

Monthly cash back rewards are posted on or before the 5th day of the month for the prior rewards account cycle. So long as you met the requirements on the last day of the month, you will earn cash back on all of your transactions over $5.

If You did not Earn a Cash Reward

Here are some common reasons you may not have earned a cash reward:

  1. You did not have a single direct deposit over $500. Multiple direct deposits that add up to over $500 do not qualify.
  2. You did not receive a MyAlerts notification, or you did not have your email address or text email address verified so we can send you alerts.
  3. You did not either log in to Online Banking or check your account on our mobile app.

How to Register for Online Banking

  1. You will need your account number (sometimes called "member number").
  2. Visit www.OregoniansCU.com and locate the Account Access area on the right-hand side.
  3. Click Sign Up beneath the login boxes.
  4. Follow the instructions to register.
  5. Once you have registered, your credentials will give you access to our mobile app.

How to Enroll in e*Statements

  1. Log in to Online Banking.
  2. Click the e*Statements tab in the left-hand menu.
  3. Follow the instructions to enroll.

How to Set Up MyAlerts

  1. Log in to Online Banking.
  2. Click the MyAlerts tab in the left-hand menu. 
  3. Click "Add a [Alert Name] Alert" text beneath the alert type you would like to add.
  4. Click the Email Address dropdown box and select Add New Email/Phone Address:
    1. To enter an Email Address, fill in the Email Address box and click Add.
    2. To enter a Text Email Address (this will result in a text alert), select your Mobile Provider (i.e. AT&T), enter your Mobile Number and click Add.
  5. Fill the remaining information for the alert you would like to set up and Add the alert. 
  6. After you have added alerts, you will need to verify the email address or text email address you registered:
    1. Click the Member Options tab in the left-hand menu in Online Banking.
    2. Click Email Address.
    3. Check the box for the address, and click the Send Confirmation text.
    4. Provide the confirmation text that was sent via text or email.

How to Set Up Direct Deposit

  1. Confirm with your HR Department regarding the information you need to provide your employer to set up direct deposit.
  2. If your employer requires an official document from us providing your account numbers for direct deposit, you can get this at any Oregonians branch or on our website:
    1. You will need your Online Banking credentials.
    2. Visit www.OregoniansCU.com and locate the Account Access area on the right-hand side.
    3. Click the Sign Up link beneath the login boxes.
    4. Click the Direct Deposit button on the left-hand side and sign in with your Online Banking credentials.
    5. A printable form will populate that includes your ACH account number. You can select the specific account within your membership (i.e. checking, a car loan, savings, etc.), and the ACH numbers will update.

Is there a fee for overdraft transfers?

Oregonians Credit Union allows up to 3 overdraft transfers from your savings account per month for free. Each additional transfer is $10.

We also offer an Overdraft Line of Credit.

How do I get my account (ACH) number for electronic transactions and payments?

When you make electronic (or “ACH”) payments, you'll be asked for a routing number and account number. This is also the account number you need for incoming wire transfers. Remember, your member number and your ACH account numbers are not the same. Please don't use your member number in place of your ACH account numbers. 

Oregonians' routing (or “transit”) number is always 323075709 

The easiest way to get your ACH account number is in digital banking.

Get your ACH account number online

  1. Log in
  2. Open the Accounts tab
  3. Click the account tile
  4. Click the eye icon to see the ACH number

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Get your ACH account number in the app

  1. Log in
  2. Open the Accounts tab
  3. Click the account tile
  4. Click the eye icon to see the ACH number

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What's the difference between my member number and my ACH account numbers?

Your member number represents your membership, which may have multiple accounts (i.e., savings, checking, car loan). When an ACH electronic transaction is presented, our system must be able to identify which account within your membership you’d like the payment posted to or from - this is what the ACH account number tells us. You have a different ACH account number for each account (i.e. savings, checking, car loan) on your membership, and your member number is part of the ACH account number.

How do I get my ACH account numbers if I don't have digital banking?

If you don't have or want digital banking, you can get your ACH account number for your checking account on the bottom of your Oregonians checks:

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Why won't my savings overdraft to my checking?

Your checking account is set up automatically to overdraft from your savings in the event an item is presented for more than is available in your checking. As long as there are sufficient funds in your savings account, the funds will transfer automatically to your checking to cover the presented item.

There are limits to the number of overdrafts that can be done in one calendar month. These limits are set in place by a federal regulation called Regulation D. This regulation also limits transfers or withdrawals from a savings account, without a signature, to six (6) per calendar month. Transactions without a signature include transactions made with us over the phone, in digital banking, and automatic overdraft transfers. Any transfer or withdrawal in excess of 6 must be completed in a branch or at an Oregonians ATM.

How can I order checks?

If you have not ordered checks in the past two years, you will need to contact us to place an order. Call us at 503.239.5336, toll free at 800.982.2974 or email us and we will be happy to order your checks. You may also place an order by visiting any of our branches.

If you have ordered checks in the past two years, you may order online at the Harland Checks Connect website. You will need our routing number (323075709), your 13 digit account number and your starting check number.

https://www.oregonianscu.com/accounts/OrderingChecks.htm

What is the minimum balance in a checking account?

Basic Checking has a minimum balance requirement of $100 to avoid the monthly fee.

iDeal checking does not have a minimum balance requirement.

Interest checking has a $1,500 minimum checking balance requirement, or $10,000 in total deposits.

All of our checking account have a minimum OPENING balance of $50 (first time deposit).

For a full comparison between accounts:

https://www.oregonianscu.com/accounts/checking.htm#compare

Do you have a switch kit?

For more information on switching your accounts to Oregonians, click here.

How do I know when funds will be available from my deposit?

If funds are not available immediately, a Member Service Representative will inform you of the date funds will be available. This applies to deposits made in the branch, through night drop or by mail.

To determine the funds availability* on deposits made through an ATM or Shared Branching, please contact a Member Service Representative at 503.239.5336 or 800.982.2974 or memberservices@ofcu.com.

*ATM and Shared Branching deposits generally have a hold of 5 days or more.

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