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Routing Number: 272479663 Swift Code: MSUCUS44
 
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Totally Gold Checking
Totally Gold Checking
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Totally Gold Checking
Our most popular checking option has no minimum balance or monthly fee. Access your account from anywhere using the OU Credit Union Mobile app. Make transfers, pay bills, check your credit score, eDeposit checks, and easily transfer money to other members using Member2Member℠.

• Tap to Pay
• No monthly fees or minimum balances
• Access to over 30,000 ATMs nationwide via the CO-OP Network
• eStatements
• Free credit score

Apply for your Totally Gold Checking account by clicking the Add to Wallet button below, by phone, or at any branch location.
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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.
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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
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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.
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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 can help you perform a variety of transactions, apply for a new loan, and provide assistance and information.
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