Rewards Checking
Your everyday account, packed with extraordinary rewards.
Start with a $300 bonus* — and a checking account that gives you more for your money
KEY BENEFITS
Rewards, perks and discounts
Low monthly fee
Surcharge-free ATM access
Digital wallet ready
Early direct deposit
Why choose an OSCU Rewards Checking account?
Rewards checking offers perks that protect, save, and surprise you in the best ways. For just $7 per month, you’ll get access to exclusive discounts and rewards that add up to over $1,000 in annual value. Plus, get a $300 opening bonus* when you set up your first checking account with recurring direct deposit.
Travel & lifestyle perks
Estimated annual value of $285+
- 24/7 Roadside assistance: free to use, up to $80 in covered service charges ($75 annual value)
- Fuel discounts: at participating Shell stations when you use your debit card for everyday purchases ($78 annual value)
- Save when you shop: local discounts and national retailer deals on shopping, dining, travel and more ($72 annual value)
- Online discounts: save when you shop online too, with discounts on hotels, attractions, and retail stores ($60 annual value)
Protection & insurance coverage
Estimated annual value of $395+
- Cell phone protection: reimbursement coverage in the event of damage or theft ($129 annual value)
- Personal ID theft benefit: reimbursement for expenses you incur to restore your identity ($50 annual value)
- Accidental death coverage: covers loss of life due to an accident while traveling ($36 annual value)
- Buyer’s protection and extended warranty: get up to $2,500 in coverage per qualifying item purchased with your OSCU debit card; covers several types of technology related purchases ($180 annual value)
Health & utility discounts
Estimated annual value of $384+
- Exclusive health savings card: save money on prescriptions, eye exams, frames, lenses and hearing services ($144 annual value)
- Utility bill savings: access to Billshark’s team of experts to negotiate your internet, TV, cell phone, and home security services rates, and cancel subscriptions you no longer need or want ($240 annual value)
Always included
Rewards Checking at OSCU means a free Visa® debit card packed with benefits, plus:
- Online bill pay
- eStatements
- Mobile banking, including mobile check deposit
- Early direct deposit
- Access to 33,000 surcharge-free Co-Op ATMs across the U.S. and Canada
- Phone Access Teller (PAT)
Start banking with rewards
Open your account online in minutes — and start getting rewarded!
Rewards Checking account details
Just open the account of your choice, set up a recurring direct deposit, and we’ll give you $300* — plus all the benefits of a better checking experience.
College students: We have a special $300 student checking bonus offer just for you!
*It’s easy to get your $300
- Open the checking account of your choice. (Members under 18 years of age, businesses, trusts and members with existing checking accounts are not eligible for bonus.)
- Within 60 days of opening, set up a recurring direct deposit of at least $500 each month.
- Have at least 2 total direct deposits within 4 months of opening your account
- That’s it! Your $300 will be deposited into your basic savings account within the 4th calendar month of opening your account. Every Oregon State Credit Union membership comes with a free basic savings, so you’ll get immediate access to your deposited funds.
Effective date
Friday, December 19, 2025
| Account | Minimum balance to earn dividends* | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Rewards Checking | N/A | N/A | N/A |
| Value Checking | N/A | N/A | N/A |
| TLT (Teen) Checking** | N/A | N/A | N/A |
| Platinum Checking*** | $1,000.00 | 0.05% | 0.05% |
Minimum balance required to open all checking accounts is $25.00. | |||
* Minimum balance that must be maintained each day to earn dividends. Dividends paid monthly for the days on which the balance equals or exceeds $1,000.00. ** Members under 18 require a parent or guardian as a joint signer. *** Members 55 and older qualify for Platinum Checking. | |||
Checking Account Rates
Rewards Checking
Value Checking
TLT (Teen) Checking**
Platinum Checking***
Minimum balance required to open all checking accounts is $25.00.
* Minimum balance that must be maintained each day to earn dividends. Dividends paid monthly for the days on which the balance equals or exceeds $1,000.00.
** Members under 18 require a parent or guardian as a joint signer.
*** Members 55 and older qualify for Platinum Checking.
- If you’re already a member of Oregon State Credit Union: You’ll need a one-time minimum deposit of $25 to open a Rewards Checking account. After your account is open, there is no minimum balance requirement and no monthly account service fee if you sign up for estatements.
- If you are not yet a member of Oregon State Credit Union, you’ll need two things:
- A one-time minimum deposit of $25 to open your Rewards Checking account
- A Basic Savings account with a minimum deposit of $5
All members must open a Basic Savings account and maintain a $5 minimum balance. See the table below for details or learn more about how to join Oregon State Credit Union.
| To Open | Current member | Non-member |
|---|---|---|
| One-time minimum deposit to open checking account | 25.00 | 25.00 |
| One-time membership fee | 0.00 | 0.00 |
| Basic savings account deposit | 0.00 | 5.00 |
| Total money required | 25.00 | 30.00 |
Value Checking Deposit
One-time minimum deposit to open checking account
One-time membership fee
Basic savings account deposit
Total money required
Savings examples and rewards reference guide:
- Q: Where can I get more information about the Rewards Checking perks and discounts, and their estimated annual value?
- A: Please refer to the Benefit Reference Guide for detailed information about each of the perks and discounts, as well as the Rewards Checking Value Summary.
Account activation:
- Q: Are all features active once a Rewards checking account is activated?
- A: With the exception of Cell Phone Protection, you’re eligible for all Rewards Checking features as soon as your checking account is open, and your account is activated. Eligibility for Cell Phone Protection begins the first day of the calendar month after your cell phone bill is paid from your Rewards Checking account.
Deals & discounts:
- Q: Where do I go to take advantage of perks and discounts?
- A: You can find all of your deals and discounts at BaZing.com or in the BaZing mobile app. This is a free app you can download additionally and separately from your Oregon State Credit Union app.
- Q: How do I get the actual discounts?
- A: Details on how to use each discount are shown within each offer on the BaZing website or BaZing app. You can print coupons and the health savings card at BaZing.com or display digital versions right from the mobile app.
- Q: What is BaZing?
A: BaZing is our trusted vendor-partner and provider of the discounts, perks and rewards detailed on this web page and available to Oregon State Credit Union members who have a Rewards Checking account. These benefits are powered by BaZing. To access a complete description of all benefits and services, visit www.BaZing.com.
Health savings:
- Q: Where is the nearest pharmacy that provides discounts?
- A: You can either search for pharmacies through the mobile app or visit BaZing.com.
ID theft aid:
- Q: Who do I call if my credit card gets stolen?
- A: Just call BaZing Customer Service at 855-UBAZING (855-822-9464). A BaZing representative will connect you with a fraud specialist who will be able to assist you. As a reminder, you’ll still need to contact your financial institution regarding any checking accounts and debit cards you might have.
- At ATMs owned by Oregon State Credit Union, transactions are free and unlimited. Plus, our members can access their accounts at more than 33,000 ATMs nationwide through the Co-Op network. Find an ATM near you.
- At Co-Op network ATMs not owned by Oregon State Credit Union, members get six transactions per month free of charge. For seven or more transactions per month, members may be charged a $1.50 fee per transaction depending on their Member Merits category.
| Product type | Essential | Enhanced | Premier |
|---|---|---|---|
Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member’s relationship with the credit union. Enhanced and Premier Member Merits categories enjoy reduced rates on consumer loans, increased rates on certificate account types and a reduction in account fees. | |||
| Rewards Checking | $7.00* | $7.00* | $7.00* |
| Value Checking | $0.00* | $0.00* | $0.00* |
| TLT Teen Checking | 0.00 | 0.00 | 0.00 |
| Platinum Checking | 0.00 | 0.00 | 0.00 |
| Overdraft paid (Courtesy Payment) | |||
| $10.00 or less | No fee | No fee | No fee |
| $10.01 or greater | $10.00 per presentment** | $10.00 per presentment** | $10.00 per presentment** |
| Returned Item fee (non-sufficient funds) | |||
| $10.00 or less | No fee | No fee | No fee |
| $10.01 or greater | $10.00 per presentment** | $10.00 per presentment** | $10.00 per presentment** |
* If not enrolled in eStatements, a $3 monthly fee will be applied to Value and Rewards checking accounts. This fee is waived each month if checking account is enrolled in eStatements at least one day before the last calendar day of the month ** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account. ***Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment. | |||
| Overdraft protection transfer | |||
| From savings, per transfer | No fee | No fee | No fee |
| From Visa® / PLOC, per transfer | No fee | No fee | No fee |
| Plastic card replacement | 6.00 | 6.00 | 6.00 |
| Stop payment | 25.00 | 20.00 | 10.00 |
| Check copy | 5.00 | 3.00 | 1.00 |
| Personal checks | |||
| Temporary check, per page | 2.00 | 1.00 | 0.00 |
| Check printing fee depends on the style and quantity ordered | |||
| Online account access and bill pay | 0.00 | 0.00 | 0.00 |
| Non-MICR encoded checks, per item | 0.00 | 0.00 | 0.00 |
| Mis-encoded checks, per item | 0.00 | 0.00 | 0.00 |
| Dishonored non-credit union checks written by member, per check | 30.00 | 30.00 | 30.00 |
| ATM transaction fees | |||
| Oregon State Credit Union-owned | 0.00 | 0.00 | 0.00 |
| CO-OP® network ATM transactions per month | |||
| Up to six | 0.00 | 0.00 | 0.00 |
| Seven or more | 0.00 | 0.00 | 0.00 |
| All other ATMs | 1.50 | 1.50 | 0.00 |
Checking account and ATM fees
Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member’s relationship with the credit union. Enhanced and Premier Member Merits categories enjoy reduced rates on consumer loans, increased rates on certificate account types and a reduction in account fees.
Rewards Checking
Value Checking
TLT Teen Checking
Platinum Checking
Overdraft paid (Courtesy Payment)
$10.00 or less
$10.01 or greater
Returned Item fee (non-sufficient funds)
$10.00 or less
$10.01 or greater
* If not enrolled in eStatements, a $3 monthly fee will be applied to Value and Rewards checking accounts. This fee is waived each month if checking account is enrolled in eStatements at least one day before the last calendar day of the month
** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account.
***Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment.
Overdraft protection transfer
From savings, per transfer
From Visa® / PLOC, per transfer
Plastic card replacement
Stop payment
Check copy
Personal checks
Temporary check, per page
Check printing fee depends on the style and quantity ordered
Online account access and bill pay
Non-MICR encoded checks, per item
Mis-encoded checks, per item
Dishonored non-credit union checks written by member, per check
ATM transaction fees
Oregon State Credit Union-owned
CO-OP® network ATM transactions per month
Up to six
Seven or more
All other ATMs
Tools & resources
Text banking for mobile account access
Beyond checking: OSCU credit cards open new doors
Sometimes a little extra flexibility goes a long way. Our Visa® credit card options help your money work harder.
- No annual fees, ever
- Built-in fraud monitoring
- Convenient transaction alerts for peace of mind
