Open a Free Checking account

Get started with a Free Checking account at Oregon State Credit Union.

With no monthly fees, convenient services and plenty of free benefits, it’s our most popular checking account.

Open a Free Checking account online

  • See disclosures, rates and fees.

  • Discover how easy it is to pay bills, deposit money and manage your finances with a Free Checking account. There’s no monthly service fee which means we don’t make you pay to use your money.

Take advantage of Free Checking benefits:

  • No monthly service fee

  • No minimum balance requirement

  • No direct deposit requirement

  • Free unlimited check writing

  • Free Visa® debit card, instantly issued

  • Free Oregon State Credit Union ATM use

  • Free 24/7 Phone Access Teller (PAT)

  • Free online banking

  • Free online bill pay

  • Free estatements

  • Free mobile check deposit with our mobile banking app

  • Convenient overdraft protection options. (You may be charged up to $4 per overdraft occurrence to use this service depending on your Member Merits category. Learn more here.)


Open a Free Checking account online

Free Checking account FAQs

  • Q: How do I open a Free Checking account?

  • Q: How much money is required to open a Free 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 Free 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 Free 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.

Money required to open Free Checking
To open Current member Non-member
One-time minimum deposit to Free Checking account $25 $25
One-time membership fee $0 $10
Basic savings account deposit $0 $5
Total money required $25 $40
  • 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.

  • Q: Is there an age requirement to open a Free Checking account?

    • A: To open a Free Checking account you must be 18 or older and have valid, government-issued identification.

    • A: Our Teen Checking is for members 17 years old and younger and is a great option with the same benefits of a Free Checking account, including no monthly service fees. To open a Teen Checking account, teen members are required to have a parent or legal guardian as a joint owner of the account until the member reaches age 18. Learn more about Teen Checking here.

    • A: Platinum Checking is for members age 55 and older with all the features of Free Checking plus extra benefits. Learn more about Platinum Checking here.


Open a Free Checking account online

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