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Routing Number: 272479663 Swift Code: MSUCUS44
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Totally Gold Checking
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Checking Accounts
Our checking accounts have what you need. Whether you prefer no minimum balance or earning dividends we have the perfect account for you.

Your OU Credit Union checking account goes wherever you go, with our easy to use Mobile app. Make transfers, pay bills, check your credit score, eDeposit checks, and easily transfer money to other members using Member2Member℠. Plus, you'll enjoy access to over 30,000 ATMs nationwide via the CO-OP Network.

Ready to move your checking account to OU Credit Union? It's easy!
Direct deposit is the safe, simple way to have your paycheck, federal benefits, or tax refunds deposited automatically to your saving or checking account.
Bill Payment takes the hassle out of paying your monthly bills. Set up payments in ComputerLine to come from your MSUFCU Checking account automatically or as needed. Best of all, Bill Payment is FREE!
credit score
At OU Credit Union, we think it's important for you to have access to tools that help you understand your credit. One of the tools that we provide is FREE access to your credit score if you have an active loan or checking account with us.
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How can I open an account?
You can open an account online, by phone at 248-364-4708 or 800-766-6828, or you can stop in to any OU Credit Union branch.

To open an account in a branch we will need a valid form of identification, personal information such as your social security number, address, income information, phone number, and email address.
Are there fees for having a checking account?
Totally Gold Checking: No monthly fees, and no minimum balance
Classic Checking: Monthly fee of $5, if the account falls below the $500 minimum balance requirement
MoneyMarket Checking: Monthly fee of $5, if the account falls below the $2,000 minimum balance requirement
Rebuild Checking: $10 per month fee
Can I open a checking account without a savings account?
Every member is required to open a Grizzly Saver account before adding any other type of account. A $5 opening deposit in this account establishes your membership (or ownership) in OU Credit Union. If you choose to close your account, this $5 will be returned to you.
How can I access my account?
There are several ways you can access your account:

• Use the OU Credit Union Mobile app, ComputerLine®, or MoneyLine for 24-hour account access. Including eDeposit to remotely deposit checks, Member2Member to instantly transfer funds, manage your account and complete transactions, pay bills, set up travel information, lock and unlock cards, find ATMs, and more.

• Use ATMs for deposits and withdrawals. As a member of the CO-OP Network, you have access to nearly 30,000 surcharge-free ATMs across the U.S.

• Visit a Shared Branch to conduct a limited amount of transactions.

• Arrange for direct deposit with your employer directly to your OU Credit Union account.

• Your OU Credit Union Visa Debit Card can be used for worldwide access to your checking account.

• Contact our Call Center, Live Chat, or Video Chat, where they can help you perform a variety of transactions, apply for a new loan, and provide assistance and information.
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