Checking accounts disclosures, rates and fees

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Checking account rates
Effective Date: Tuesday, May 28th, 2024
Oregon State Credit Union checking accounts have: no minimum balance, free debit card (first issue), free online services and phone access teller (PAT), free Oregon State Credit Union ATM access.
AccountMinimum balance to earn dividends*Dividend rateAnnual Percentage Yield (APY)
Rewards Checking NA NA NA
Free 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 and ATM fees
Effective Date: Tuesday, May 28th, 2024
Product typeEssentialEnhanced 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. See the Member Merits reward program page for details.
Rewards Checking $7.00 $7.00 $7.00
Free 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
$3.00 per presentment*** $3.00 per presentment*** $3.00 per presentment***

** 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 $5.00 $5.00 $5.00
Mis-encoded checks, per item $5.00 $5.00 $5.00
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
$1.50 $0.00 $0.00
All other ATMs
$1.50 $1.50 $0.00

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