Open a Free Checking account

Get your Free Checking account at Oregon State Credit Union. It's actually free, with no monthly service fees, debit card access, online banking and plenty of other convenient services and free benefits. See disclosures, rates and fees. 

Free Checking FAQs

• Q: How do I open a Free Checking account?

  • A: Open an account at the nearest Oregon State Credit Union branch. Find a branch here.

• Q: How much money is required to open a Free Checking account?

  • A: If you’re already a member of Oregon State Credit Union: You’ll need a one-time minimum deposit of $25 to open a Free Checking account. After your account is open, there is no minimum balance requirement and no monthly account service fee.

  • A: If you are not yet a member of Oregon State Credit Union you’ll need three things:

    • a one-time minimum deposit of $25 to open your Free Checking account

    • a one-time $10 membership fee to join Oregon State Credit Union

    • 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 here.

• Q: Are there fees to use ATMs?

  • A: At ATMs owned by Oregon State Credit Union, transactions are free and unlimited. Plus, our members can access their accounts at more than 30,000 ATMs nationwide through the CO-OP network.

  • A: 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.

    • Learn more about the Oregon State Credit Union Member Merits program here.

    • See all checking account and ATM fees here.

• Q: Is there an age requirement to open a Free Checking account?

  • A: To open a Free Checking account you must be 18 or older and have valid, government-issued identification.

  • A: Our Teen Checking is for members 17 years old and younger and is a great option with the same benefits of a Free Checking account, including no monthly service fees. To open a Teen Checking account, teen members are required to have a parent or legal guardian as a joint owner of the account until the member reaches age 18. Learn more about Teen Checking here.

  • A: Platinum Checking is for members age 55 and older with all the features of Free Checking plus extra benefits. Learn more about Platinum Checking here.