OUR Credit Union is All About You!
With Premium Checking, you will receive:
- Ability to earn 4.07% APY* on your balance
- Free Debit Card
- Apple Pay
- Free Online Banking and Bill Pay
- Mobile Deposit
- First Box of Checks Free and No Per-Check Fees
- No Minimum Balance and No Monthly Fee
- Optional Personal Credit Line (which may be used to cover Checking Account overdrafts)2
- Overdraft Privilege to Qualified Accounts2
- Fraud protection with total identity monitoring and daily credit file monitoring
- Cell phone protection - Protection against damage and theft for first three phones listed on your bill3
- Travel and Leisure Discounts, $hopping RewardsTM and More (Registration/Activation is required).
Membership is open to those who live in state of Michigan. Learn more about other Membership qualifiers.
We make it easy to move your account with our Streamlined Switch!
Need more information? Contact us:
* Must be enrolled in eStatements and complete 20 debit transactions monthly to earn dividends. Premium dividend of 4.07% Annual Percentage Yield paid on first $3,000. Regular savings rate paid on remaining balance. If requirements are not met, no dividends will be earned. Rate may change at anytime without prior notice.
1. Matching deposit up to $100 for new Premium Checking Account. Account requirements: Debit Card (at least one transaction per month over first 60 days), eStatements and recurring Direct Deposit totaling $500 or more. This offer does not apply if you have an existing OUR Credit Union checking account or have closed an account within the previous 12 months. Opening deposit match (up to $100) will take place approximately 60 days from opening date. Other restrictions may apply. Offer expires August 31, 2020.
2.Credit qualifications apply. Accounts will be charged the standard Overdraft fee for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and a fee for items returned. An overdrawn balance must be repaid within 30 days. We may not pay items under your overdraft privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty (30) day period for a minimum of 24 hours, if you default on any loan or other obligation to Engagement Client or if your account is subject to any legal or administrative order or levy. Please click here to see our current fee schedule.
3. Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage. Insurance products are not a deposit; are not NCUA insured; are not insured by any federal government agency, are not guaranteed by credit union or any credit union affiliate.