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Checking Accounts

Free Checking Card - No Monthly Fee

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!

Open Your Free Checking Account

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
  • 33,000+ 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!

Free Checking Disclosure: *APY=ANNUAL PERCENTAGE YIELD. Credit Union One of Oklahoma Free Checking requires a 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. These non-deposit investment products are insured by SIPC up to $500,000, including $250,000 in cash. See account disclosures or a credit union representative for complete details.

Truth in Savings Disclosure

No minimum balance required.

Qualifications:

  • Round-ups are available upon activation and funded from the connected checking account.
  • Customer must select a default stock to begin earning rewards.
  • Stocks are chosen by Credit Union One of Oklahoma and may change at any time.
  • Closing your Bits of Stock brokerage account does not automatically close your CUOne checking account.
  • Rewards will be lost if not redeemed prior to account closing.
  • $10 cash back reward will be forfeited to CUOne if Investor Checking is closed within 3 months of opening.
  • Limit one account per primary Social Security Number.

1. This account does not earn dividends. Limit one account per primary SSN.

 
Rewards Checking Card - $5.00 per month

A powerful blend of high-yield dividends and debit card rewards. Earn reward points on your everyday 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!

Open Your Rewards Checking Account

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.

Rewards Checking Disclosure: *APY=ANNUAL PERCENTAGE YIELD. Credit Union One of Oklahoma Rewards Checking requires a 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. These non-deposit investment products are insured by SIPC up to $500,000, including $250,000 in cash. See account disclosures or a credit union representative for complete details.

Truth in Savings Disclosure

No minimum balance required.

Qualifications:

  • Round-ups are available upon activation and funded from the connected checking account.
  • Customer must select a default stock to begin earning rewards.
  • Stocks are chosen by Credit Union One of Oklahoma and may change at any time.
  • Closing your Bits of Stock brokerage account does not automatically close your CUOne checking account.
  • Rewards will be lost if not redeemed prior to account closing.
  • $10 cash back reward will be forfeited to CUOne if Investor Checking is closed within 3 months of opening.
  • Limit one account per primary Social Security Number.

1. To earn the highest dividend rate, complete 25 debit card transactions per month (must post by the last calendar day), have a monthly direct deposit of $1,500 or more, and be enrolled in eStatements. If not met, the account earns the default APY. Limit one account per primary SSN.