Perfect for those just starting their financial journey. Our Free Checking account helps you grow your money effortlessly with built-in investing tools and round-up savings.

Includes all standard and digital banking features: Contactless VISA Debit Card, Online Banking, CUOne Mobile, Remote Check Deposit, Bill Pay, eStatements, Apple Pay, Google Pay, and more!

Key Features:

• No Monthly Service Charge
• MoneyMovement Personal Finance Manager
• Invest the Rest with Stock Round-ups — Save and invest spare change from everyday purchases
• Free brokerage account with access to educational investing tools
• Limited fractional investing (first 5 trades are free)
• No monthly maintenance fees
• 55,000+ fee-free ATMs nationwide

Ideal for: Anyone looking for a totally free, packed with benefits, FREE checking account that includes the option to start your investment portfolio with Stock Round-ups! 

** Credit Union One of Oklahoma Rewards Checking requires connected brokerage account with rewards partner Bits of Stock to participate in Invest the Rest. Redeemed shares of stock are not insured by the NCUA, not guaranteed by the credit union and subject to investment risks, including possible loss of principal amount invested. These non-deposit investment products are insured by the SIPC with a total of up to $500,000, including $250,000 in cash. See account disclosures or a credit union representative for complete details.
 

TRUTH IN SAVINGS DISCLOSURE

MINIMUM BALANCE REQUIREMENTS. You must deposit $25.00 to open this account.
TRANSACTION LIMITATIONS. You may make an unlimited number of deposit(s) into your account.No minimum balance required.

Qualifications: 

  - Round-ups are available upon activation, and funded with the connected checking account.

  - Customer must select a default stock pick to begin to earn rewards.

  - Stocks are chosen by Credit Union One of Oklahoma and may change at any time.

  - If you choose to close your Bits of Stock brokerage account, your CUOne checking account will not automatically close. You must inform us if you wish to close the checking account.

  - Rewards will be lost if not redeemed prior to account closing.

  - $10 cash back reward will be forteited back to CUOne if Investor Checking is closed within 3 months of the open date.

  - Limit one account per primary Social Security Number.

A powerful blend of high-yield dividends and debit card rewards. Earn reward points on your every day purchases and redeem for gift cards, cash back, merchandise, and more!

Includes all standard digital banking features: online banking, mobile app, remote check deposit, iPay bill pay, eStatements, Apple Pay, Google Pay, and more!

Key Features:

• Earn 2.50% APY* on balances up to $10,000, then 0.10% APY* ¹
• My Rewards+  :  Earn reward points on every debit card swipe
• Pay with Points - Use points to pay for purchases with just a few clicks
• MoneyMovement Personal Finance Manager
• Free brokerage account with access to educational investing tools
• Invest the Rest with Stock Round-ups — Save and invest spare change from everyday purchases
• Limited fractional investing (first 5 trades are free)
• One NSF (non-sufficient funds) fee refund per month upon request

Ideal for: Rewards Checking is ideal for everyday spenders who want to get more out of their daily purchases — without having to change a thing. Whether you're buying groceries, grabbing lunch, or shopping online, every swipe earns reward points you can redeem for gift cards, merchandise, travel, and more.

If you're not quite ready to jump into investing, but still want meaningful perks and a solid dividend return on your balance, this account offers a smart middle ground between simplicity and value.

** Credit Union One of Oklahoma Rewards Checking requires connected brokerage account with rewards partner Bits of Stock to participate in Invest the Rest. Redeemed shares of stock are not insured by the NCUA, not guaranteed by the credit union and subject to investment risks, including possible loss of principal amount invested. These non-deposit investment products are insured by the SIPC with a total of up to $500,000, including $250,000 in cash. See account disclosures or a credit union representative for complete details.
 

TRUTH IN SAVINGS DISCLOSURE:

MINIMUM BALANCE REQUIREMENTS. You must deposit $25.00 to open this account.
 
TRANSACTION LIMITATIONS. You may make an unlimited number of deposit(s) into your account. 

No minimum balance required.

Qualifications: 

  - Round-ups are available upon activation, and funded with the connected checking account.

  - Customer must select a default stock pick to begin to earn rewards.

  - Stocks are chosen by Credit Union One of Oklahoma and may change at any time.

  - If you choose to close your Bits of Stock brokerage account, your CUOne checking account will not automatically close. You must inform us if you wish to close the checking account.

  - Rewards will be lost if not redeemed prior to account closing.

  - $10 cash back reward will be forteited back to CUOne if Investor Checking is closed within 3 months of the open date.

  - Limit one account per primary Social Security Number.

^1. To earn the highest dividend rate, you must complete 25 debit card transactions per month (transaction must post by the last calendar day of the month), have a monthly direct deposit amount of $1,500.00 or more, and be enrolled in eStatements. If these requirements are not met, the account will earn the default APY. Limit one account per primary Social Security Number.

The ultimate rewards checking experience for serious savers and aspiring investors. Get the highest dividends, richest stock rewards, and exclusive perks.

Includes all standard digital banking features: online banking, mobile app, remote check deposit, iPay bill pay, eStatements, Apple Pay, Google Pay, and more!

Key Features:

• Earn our highest dividend rate of 5.0% APY* on balances up to $10,000, then 0.10% APY* ¹
• Stock Rewards+ — earn 1% back in fractional stock/ETF rewards, up to $20/month
• Unlimited commission-free trading and fractional investing
• Invest the Rest - Real-time round-ups that instantly invest spare change
• Full investment account with advanced access to thousands of stocks and ETFs
• Two NSF fee refunds per month upon request
• Exclusive Investor Checking debit card design
• MoneyMovement Personal Finance Manager

Ideal for: Anyone looking to maximize their money with a dividend-rich checking account that turns everyday spending into long-term investing.

If you're not ready to dive headfirst into full-time investing but love the idea of earning stock rewards and high dividends on the side, this account was made for you.

** Credit Union One of Oklahoma Investor Checking requires connected brokerage account with rewards partner Bits of Stock. Redeemed shares of stock are not insured by the NCUA, not guaranteed by the credit union and subject to investment risks, including possible loss of principal amount invested. These non-deposit investment products are insured by the SIPC with a total of up to $500,000, including $250,000 in cash. See account disclosures or a credit union representative for complete details.
 

TRUTH IN SAVINGS DISCLOSURE:

MINIMUM BALANCE REQUIREMENTS. You must deposit $25.00 to open this account.
 
TRANSACTION LIMITATIONS. You may make an unlimited number of deposit(s) into your account. 

No minimum balance required to qualify for $20 maximum stock rewards.

Qualifications: 

  - Earn up to $20 in stock rewards per month on qualifying debit card purchases.

  - 1% of each debit card purchase applies toward earning base tier rewards.

  - Round-ups are available upon activation, and funded with the connected checking account.

  - Customer must select a default stock pick to begin to earn rewards.

  - Stocks are chosen by Credit Union One of Oklahoma and may change at any time.

  - If you choose to close your Bits of Stock brokerage account, your CUOne checking account will not automatically close. You must inform us if you wish to close the checking account.

  - Rewards will be lost if not redeemed prior to account closing.

  - $10 cash back reward will be forteited back to CUOne if Investor Checking is closed within 3 months of the open date.

  - Limit one account per primary Social Security Number.

^1.To earn the highest dividend rate, you must complete 25 debit card transactions per month (transaction must post by the last calendar day of the month), have a monthly direct deposit amount of $1,500.00 or more, and be enrolled in eStatements. If these requirements are not met, the account will earn the default APY. Limit one account per primary Social Security Number.