Checking & Savings Accounts
OU Credit Union offers a variety of checking and savings options to suit your needs.
Checking Accounts
From free Totally Gold Checking to dividend-earning Money Market Checking, OU Credit Union has the checking options you've been looking for. Make the most of your account by signing up for eStatements and using our Visa Debit Card - the perfect companions for our checking accounts.
Totally Gold Checking is OU Credit Union’s FREE and most popular and convenient checking account.
- NO monthly fees & NO minimum balance
- FREE Bill Payment
- FREE first box of checks (OU Spirit check styles only)
- 24/7 account access via ComputerLine, Gold on the Go mobile banking, the OUCU Mobile App, MoneyLine, and CO-OP Network ATMs
- 3-year monthly eStatement archive via ComputerLine
Requirements
- eStatements & eNotices
- ComputerLine access
- Visa Debit Card
- Direct Deposit (if available)
Apply Today!
Login to ComputerLine, select Manage from the top menu, and click Apply for a Checking Account under the Create or Modify Accounts section.
OU Credit Union’s Classic Checking account has all the features you look for in a checking account. Save $5 each month by maintaining a minimum balance of $500.
- FREE OU Credit Union Visa Debit Card and ATM Card
- FREE Bill Payment
- No per check fees
- 24/7 account access via ComputerLine, Gold on the Go® mobile banking, the OUCU Mobile App, MoneyLine, and CO-OP Network ATMs
- Choose between paper or electronic monthly account statements
- Direct deposit and overdraft protection available
Apply Today!
Login to ComputerLine, select Manage from the top menu, and click Apply for a Checking Account under the Create or Modify Accounts section.
* A $5.00 fee will be charged if your Classic Checking balance falls below $500 at any time during the month.
Looking for a checking account that earns dividends and allows immediate access to funds without penalities? OU Credit Union's Money Market Checking is the perfect account for you.
- Additional deposits and withdrawls can be made at any time
- 24/7 account access via ComputerLine, the OUCU Mobile App, Gold on the Go mobile banking, MoneyLine, and CO-OP Network ATMs
- Write unlimited checks
- FREE Bill Payment
- Dividends paid on balances of $2,000 or more
- Earn more with our four Money Market Checking tiers. View rates
Requirements
Apply Today!
Login to ComputerLine, select Manage from the top menu, and click Apply for a Checking Account under the Create or Modify Accounts section.
*Balance of less than $2,000 will result in a $5.00 service fee
OU Credit Union's Rebuild Checking Account is designed for members who need assistance rebuilding their financial position. This checking account is unique in that it allows you to build a positive relationship with us while we help you every step of the way.
After demonstrating positive use of your Rebuild Checking Account, you will become eligible for OU Credit Union's Totally Gold Checking Account.*
Features
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Free check deposit
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Write personal checks from your account
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Pay bills and make transfers using FREE Bill Payment
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ATM Card (withdrawal access only)
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24/7 access via ComputerLine, Gold on the Go Mobile Banking, OUCU Mobile App, and MoneyLine to manage and keep track of your finances
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Account access at over 5,000 shared branches and Service Centers nationwide
Requirements
Fees
*Members demonstrating consistent, positive use of their Rebuild Checking account will be eligible for a Totally Gold Checking account. OU Credit Union holds the ability to terminate the membership of any Rebuild Checking account holder at any time due to account negligence or misuse. Certain services and products such as Courtesy Pay, Visa Debit Card, Point of Sale Returns, ATM deposits,and eDeposit are not available to members holding a Rebuild Checking account.
It's the OU Credit Union card that goes everywhere you do. The Visa Debit Card works just like a check, but looks like a credit card! When you use the card, the funds are withdrawn directly from your OU Credit Union checking account. No credit is involved.
- Accepted by millions of shops, hotels, restaurants, airlines, and online merchants worldwide
- Access your account at nearly 30,000 surcharge-free CO-OP Network ATMs nationwide
- $250,000 Travel Accident Insurance when you use your Visa Debit Card to make travel arrangements
- Detailed records of every card transaction are available in ComputerLine, MoneyLine, the OUCU Mobile app, Gold on the Go mobile banking, and on your monthly checking account statement
Request Your Visa Debit Card
Request a Visa Debit Card using the message option in your ComputerLine account, at a branch, or by calling 248-364-4708 or 800-766-6828.
Below is a list of our current check styles. To view a sample image of the check,
click on the style name. To close the sample, click the style name again. Click the column headers to sort by style, quantity and price.
Styles listed below may change or be discontinued without notification to OUCU.*
Place your
Check Order
Place your next check order at any branch location, by calling
(517) 333-2424, or toll-free (800) MSU-4-YOU (800-678-4968), or online with
in your ComputerLine account.
Ordering Checks within ComputerLine**
Login to ComputerLine, select Manage from the top menu and click Order Checks
from the OUCU Services section. Select the account that you wish to order checks for and click Continue. To see the various check styles, click Check Designs from the menu.
You also have the option to add enhancements to many check styles. Confirm your check order detail and click Check Out.
*Additional
charges may apply for Expedited Shipping & optional check enhancements (Accent Symbols, Distinctive
Lettering, Initials & OneLiners)
**If you have not ordered checks online with us in the last 30 months, you will need to contact us to
place your check order.
Style
Quantity
Price (Duplicate)
Price (Single)
OU Credit Union is committed to providing financial education and superior accounts for our youth and student members. Our free Totally Gold Checking is the perfect checking account for teenagers and college students! Learn how to responsibly manage a checking account with an institution you trust.
- No minimum balance requirement
- No monthly service fees
- Visa Debit Card
- Online Bill Payment
- Free 24/7 account access online, by phone, and via mobile banking
- Free box of checks
Learn more about Totally Gold Checking and OU Credit Union's youth and student accounts,
Apply Today!
When you're ready to apply, just login to ComputerLine, select Manage from the top menu, and click Apply for a Checking Account under the Create or Modify Accounts section.
The all-in-one GRIZZ Gold Card functions as both your OU Student/Faculty ID and your OU Credit Union Visa Debit Card. Consolidate the cards in your wallet and enjoy access to everything you need on campus, as well as the purchasing power of Visa Debit.
- Select campus discounts
- Meal plan access
- Recreation Center access
- Library access
- After-hours access to residence halls and computer labs
Get Your GRIZZ Gold Card Today!
Stop by the OU ID Office in the Oakland Center to have your photo taken, then swing over to the OU Credit Union branch across the hall to pick up your card.
Savings Accounts
OU Credit Union has savings options to help you make the most of your money. Whether you're looking for a basic savings account or a higher-yield option, OU Credit Union has accounts to fit your financial needs.
OU Credit Union's Grizzly Saver is the required savings account for all members and allows you to save your money while earning dividends.
- 24/7 account access via ComputerLine, Gold on the Go mobile banking, OUCU Mobile App, MoneyLine, and CO-OP Network ATMs
- Dividends calculated daily and paid monthly
- Open up to 10 additional Grizzly Saver accounts under the same account number
- Funds are insured for at least $250,000 by the NCUA
Requirements
- Low $5.00 minimum balance required
Open Additional Grizzly Saver Accounts
Saving up for a vacation or a new car? Make budgeting easier, you can add up to 10 additonal savings accounts and label them anything you want! Login to ComputerLine, select Manage from the top menu, and click Add a Savings or IMMA Account under the Create or Modify Accounts section.
Or, use the message option in your ComputerLine account, visit a branch, or call 248-364-4708 or 800-766-6828.
An IMMA allows you to have immediate access to your funds, while earning higher dividends on balances of $2,000 or more.
- Unlimited deposits
- Dividends calculated daily and paid monthly1
- 24/7 account access via ComputerLine, Gold on the Go mobile banking, OUCU Mobile App, MoneyLine, and CO-OP Network ATMs
- Funds are insured for at least $250,000 by the NCUA
Requirements
- $50$No minimum opening balance requirement
- $50 minimum opening balance for the IRA/HSA IMMA
- $2,000 minimum balance to earn dividends
Unlimited Withdrawals
You may make as many of the following transfers per calendar month as you would like:
- Transfers or withdrawals made in person at a branch, by mail, or at an ATM
- Withdrawal by check mailed to the depositor, requested by telephone call, MoneyLine, or ComputerLine
- Automatic payment of service fees at OU Credit Union
- Automatic transfers for the repayment of loans at OU Credit Union
Electronic Transfers or Payments
An IMMA is a deposit account and allows six (6) electronic transfers2 out of the account per month. The following transactions are included in the limit of six (6) transfers out:
- Overdraft transfers
- Telephone transfers
- ComputerLine, MoneyLine, OUCU Mobile App, and Gold on the Go mobile banking transfers
- Pre-authorized or automatic payments or transfers to third-party companies
- Written checks (a minimum of $500 each)
Open an IMMA
Login to ComputerLine, select Manage from the top menu, and click Add a Savings or IMMA Account under the Create or Modify Accounts section.
Or, use the message option in your ComputerLine account, visit a branch, or call 248-364-4708 or 800-766-6828.
1 Dividends will not be earned any day the account balance falls below the $2,000 minimum.
2 This refers to transaction limitations under Regulation D.
OU Credit Union Certificates1 earn higher, fixed dividends while still receiving at least $250,000 in NCUA insurance on your funds.
- No monthly or maintenance fees
- Open a Certificate with as little as $50 for a 1-Year Add-On Certificate or $500 for all other terms
- Flexible terms to suit your savings needs
1-Year Add-On Certificate1
OU Credit Union's 1-Year Add-On Certificate may be opened with as little as $50 and allows you to add funds at your convenience. You may add up to $10,000 total to the sum of all your 1-Year Add-On Certificates per year. For example, if you have five (5) 1-Year Add-On Certificates, any combination of amounts up to $10,000 could be added to each Certificate, but the total additions to all Certificates must not exceed $10,000 per member, per year.
Open a Certificate within ComputerLine
Login to ComputerLine, select Manage from the top menu, and click Add a Certificate under the Create or Modify Accounts section.
Or, use the message option in your ComputerLine account via the eMessage Center, visit a branch, or call 248-364-4708 or 800-766-6828.
1 Certificate rates are fixed for the term of the Certificate at the time the Certificate is opened. Additional deposits may not be made to Certificates other than the 1-Year Add-On Certificate. Up to a total of $10,000 may be added to a member’s 1-Year Add-On Certificate(s) each year. However, regardless of the number of 1-Year Add-On Certificates a member may hold, the total of all funds added to the 1-Year Add-On Certificate(s) cannot exceed $10,000 per member, per year. Additional deposits do not change the Certificate's maturity date or rate. The earnings assume that the funds remain on deposit for the term of the Certificate and are compounded monthly.
Early withdrawal penalties:
Terms of one year or less: Penalty is equal to 90 days’ dividends, based on amount withdrawn.
Terms of more than one year: Penalty is equal to 180 days’ dividends, based on amount withdrawn.
If the dividend is not sufficient to cover the penalty, the principal amount will be reduced to cover the penalty. Early withdrawal penalties will not be charged in cases of withdrawal due to disability or after death of an owner of the Certificate.
OU Credit Union’s Holiday/Vacation Account allows you to easily save up for a gift or special occasion!
Benefits
- No minimum balance
- No monthly fees
- Unlimited deposits
- 24/7 account monitoring via ComputerLine, Gold on the Go mobile banking, OUCU Mobile App, MoneyLine, and CO-OP Network ATMs
- Funds are insured for at least $250,000 by the NCUA
Requirements
This account is limited to two withdrawals per year. One automatic withdrawal is made for you in November, which can be deposited into one of your OU Credit Union savings or checking accounts, or mailed out to you in a check. The second withdrawal can be made at any time.
Open Your Holiday/Vacation Account
Open your Holiday/Vacation Account by leaving a secure message option in your ComputerLine account via the eMessage Center, visit an branch, or call 248-364-4708 or 800-766-6828.
Totally Gold Checking
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GRIZZ Gold Card for OU Students/Faculty
