Checking Account

The Ohio Educational Credit Union (OECU) Checking Account provides our members with what they need in a checking account--and all the convenience and security they expect from their Credit Union.

The Checking Account is a tiered interest bearing account that offers you the ability to earn, while providing you with a tool to manage your money. The tiers are:

The Checking Account has a monthly earning period, and earnings are compounded monthly, based on the average daily balance. The dividends on the account will be posted after normal business hours on the last day of each calendar month.

Checks

The Credit Union provides a wide variety of check styles and designs. And when you need to reorder, it's made easy by using "Toni" The Touch-Tone Teller, visiting our Internet site at www.ohioedcu.com, or mailing the reorder form from your existing check supplies to OECU.

Your first 50 OECU Standard Checks are free. If you are a Gold Package member your first 150 OECU Standard Checks are free. The Checking Account is a truncation account, which means you do not receive copies of your paid checks. The monthly account statement provides you with all the details on which checks have been paid that month. If it is necessary for you to get copies of a paid check, contact a membership service representative at any OECU office. Immediate check images are also available by using e-22nd Street.

With your OECU Checking Account, you can apply for an OECU ATM Card or OECU VISA Check Card. These two products provide you with the added convenience of accessing your Checking Account for cash at thousands of ATM locations internationally.

The OECU VISA Check Card also lets you purchase goods and services at stores, restaurants, or anywhere else you can use a VISA® card. Like an ATM card, all your purchases are deducted from your checking account, so you won’t have the bother of getting a check approved or a bill to pay at the end of the month.

CURewards™! *

Just by using your OECU Visa Check Card, you'll earn bonus points through the CURewards program*. For every dollar you spend by signing for a purchase with your OECU Visa Check Card, you'll earn bonus points that can be redeemed for rewards that can make your life a lot more interesting. These range from airfare, hotel accommodations and car rentals to merchandise like appliances and tools to golf, skiing and theater experiences. It is truly rewarding!

* CURewards Points are earned for every dollar you spend on all non-PIN purchases. Just make sure you press “credit” or sign the receipt for all your everyday purchases to earn CURewards points.

Overdraft Protection

Overdraft protection is available with an OECU Quick-Cash Line of Credit Loan offering worry-free protection, no transfer fee and the convenience of access via "Toni" The Touch-Tone Teller. Complete the enclosed application to apply for this benefit.

Second Checking Account
(Members' Second Checking)

A second Checking Account is available to all members. This Checking Account has the same features as the primary Checking Account discussed earlier. This gives the member the option of opening a second Checking Account under his/her name. This is ideal for members who have a personal business and want to keep their personal business checking separate from their primary checking.

Checking Account


The Application Form is a downloadable PDF File, requiring Adobe Acrobat Reader 5.0 or greater. Acrobat Reader can be downloaded by clicking on the above link.