Checking
We offer two affordable accounts with the convenience and accessibility you need.
Free Checking (S71)
- No minimum balance and unlimited transactions
- No monthly service charge
- $25 initial deposit or direct deposit to open
- Must open a Visa debit card and access CATS Line or CATS Online
- This account does not earn dividends.
- Free electronic statement service or paper monthly statement
- Cancelled checks are kept on microfilm. Check copies are available upon request or can be seen in our CATS Online Internet Banking service free of charge.
- Reorder your checks online
- NCUA insured
Dividend Checking (S70)
- No minimum balance and unlimited transactions
- $2 monthly service charge
- Free Visa debit card or Visa debit rewards card
- The $2 monthly charge will be waived each month you maintain a $5,000 minimum Dividend Checking balance. The monthly charge will also be waived for Senior Associates' Club members.
- Free electronic statement or monthly paper statement
- $25 initial deposit or direct deposit to open.
- Earns dividends each day the balance is over $500.
- Cancelled checks are kept on microfilm. Check copies are available upon request or can be seen in our CATS Online Internet Banking service free of charge.
- Reorder your checks online
Easy Account Access
| Visa Debit Card | Use this debit card at ATM machines to withdraw cash, transfer funds, check balances and at stores that accept Visa. Your purchase amount will be deducted right from your checking account. |
| In Person | 90 S. Shafer Street or 944 E. State St. in Athens. |
| CATS Online & Bill Payment | Access your accounts online - all with the click of a mouse! Bill Pay service is free when you sign up for electronic statements. |
| CATS Line | Our 24-hour telephone service allows you to transfer funds, check your balances, and more using a touch-tone phone. |
| ATMs | We have 11 ATM locations in the Athens area including all around campus and town. We're also a part of the Alliance One no-surcharge credit union network. |
| Shared Branching Network | OUCU members can use over 4,000 credit union branches nationwide to access their OUCU accounts. Visit http://www.cuservicecenter.com or call 1-800-919-2872 for locations. |
NCUA Insured
NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.
The term "noninterest-bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal ("NOW") account, money market deposit account, and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account. For more infomation about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.
