Checking Account

Easy, Reliable, and Built for the Trades.

Life on the jobsite can be unpredictable. That's why your checking account should be anything but. With OE Federal Credit Union, you get a checking account that keeps up with your busy schedule.

Benefits/Features

Low Opening Deposit

Open an account with just $20.

No Monthly Fee

Manage your hard-earned money without the worry of paying unnecessary maintenance fees.

No Minimum Balance

Your checking your way. No minimum balance is required to keep your account open and fee-free.

Overdraft Protection

Link additional accounts to cover the amount of a transaction when Checking funds aren't available.

Courtesy Pay

We'll cover the transaction, giving you time to put funds back into your account.

Visa Debit Card

Your debit card is backed by Visa, giving you additional security measures.

60,000+ ATMs Nationwide

Your checking your way. No minimum balance is required to keep your account open and fee-free.

Online Banking

Managing your account has never been easier. Review transactions, pay bills and more!

Checking Accounts

Effective Date: MINIMUM INITIAL DEPOSIT: $20

Account Type	Standard Accounts (APY)	Min. to Earn Dividend	Compounding Period
Checking	0.03%	$100	Monthly
Checking	0.05%	$2,500	Monthly
All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information. Information accurate as of April 1, 2025.

Account Type

Standard Accounts (APY)

Min. to Earn Dividend

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.

Information accurate as of April 1, 2025.

Checking Account Questions

What’s the difference between Courtesy Pay and Overdraft Protection?

How do I change my PIN?

How do I activate my debit card?

What should I do if my debit card is lost or stolen?

How much can I withdraw from an ATM?

What do I need to open a Checking Account?

How do I set up Direct Deposit?

Is there a minimum balance I must maintain?

Checking 0.03% $100 Monthly

Checking 0.05% $2,500 Monthly

All rates are subject to change without notice. For the most up-to-date rates, please call or text us at 800.877.4444. The Annual Percentage Yield (APY) stated for all accounts is accurate as of the date listed. Annual Percentage Yield assumes deposits, and dividends paid, are held to maturity. Penalties may be applied for early withdrawal on term accounts. Fees could reduce actual earnings. Refer to “Terms and Conditions” for other account information.

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