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.

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.)

Q: How do I open a Free Checking account?
- A: Click here to start your account opening.
- A: Open an account at the nearest Oregon State Credit Union branch. Find a branch here.
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.
  - Learn more about the Oregon State Credit Union Member Merits program here.
  - See all checking account and ATM fees here.
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.