Open your Senior Platinum Checking

With Senior Platinum Checking, members age 55 and older enjoy Free Checking benefits plus extra perks. See disclosures, rates and fees.

Platinum Checking benefits

• Free: online banking, bill pay, estatements, mobile check deposit and Early Direct Deposit

• No monthly service fee. No minimum balance or direct deposit requirement.

• Free: unlimited check writing, Visa debit card issued instantly, Oregon State Credit Union ATM use, Phone Access Teller

• Free notary services

• Unlimited free standard Oregon State Credit Union checks

• 10 percent discount on safe deposit box fees

• Dividends are earned when a $1,000 average daily balance is maintained

Senior Platinum Checking account FAQs

• Q: How do I open a Senior Platinum Checking account?

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

• Q: Does a Senior Platinum Checking account earn interest?

  • A: Yes, interest is paid when a $1,000 minimum balance is maintained.

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

  • A: Platinum Checking is for members age 55 and older. The account offers all the features of Free Checking plus extra benefits.