Checking accounts disclosures, rates and fees

Each account holder agrees to the terms set forth on this Account Rate Schedule and acknowledges that it and the Truth in Savings Disclosure are part of the Membership and Account Agreement. The credit union may offer other rates in the future. Fees or other conditions may reduce the earnings of an account.

Checking account rates
Effective Date: Sunday, November 28th, 2021
AccountMinimum balance to earn dividends*Dividend rateAnnual Percentage Yield (APY)
Free Checking N/A N/A N/A
TLT (Teen) Checking** N/A N/A N/A
Platinum Checking*** $1,000.00 0.01% 0.01%
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.

Open Free Checking online

Find a branch | Open Teen Checking

Open Senior Platinum Checking online

Oregon State Credit Union checking accounts have:

  • No minimum balance

  • No monthly service fee

  • Free debit card (first issue)

  • Free online services and phone access teller (PAT)

  • Free Oregon State Credit Union ATM access


Checking account and ATM fees
Effective Date: Sunday, November 28th, 2021
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.
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
$5.00 or less
No fee No fee No fee
$5.01 or greater
$30.00 per presentment** $30.00 per presentment** $30.00 per presentment**
Overdraft returned
$5.00 or less
No fee No fee No fee
$5.01 or greater
$30.00 per presentment** $30.00 per presentment** $30.00 per presentment**
** Overdraft fees are limited to a daily maximum of 5 overdraft fees per day. Overdraft fees assessed can be overdraft paid fees, overdraft returned fees, or a combination of both. If we do not pay an overdraft item, there may be a fee as set forth within our fee schedule. We may charge a fee each time an item is submitted or resubmitted for payment. Therefore, you may be assessed more than one overdraft fee as a result of a returned item or resubmission(s) of the returned item.
Overdraft protection transfer
From savings, per transfer
$4.00 $3.00 $0.00
From Visa® / PLOC, per transfer
$4.00 $3.00 $0.00
Plastic card replacement $5.00 $5.00 $5.00
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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