Dig into the details about your checking account
What are the benefits of a checking account?
How can I set up a checking account for my child?
Simply fill out the online application here. If the child is under the age of 18, they will need somebody over the age of 18 to be on the account with them. The child will receive a $10 iTunes® Gift Card when the account is opened with $25. Parents or guardians can set up online banking so that they can view their child’s account in the same place as their accounts.
What types of overdraft protection do you offer?
If you have insufficient funds in your checking account, OECU offers several options for overdraft protection. To check out these options, take a look at our Overdraft Protection page.
How long does it take for a debit card purchase to post to my account?
It depends on the merchant, but typically within 48 hours.
How long will it be before my check deposit is in my account?
Your deposit is available immediately if it is not placed on hold.
Why was my check placed on hold?
Government Regulations (Reg CC) dictates how much of a check can be placed on hold and how long that hold can be. OECU trains all staff to follow government regulations when processing checks. In most cases, a check is placed on hold due to either non-matching funds in the member’s account or the total deposit being over $5,000. Upon account opening we provide deposit hold regulations to members, and are more than happy to go over the specifics upon request. Exceptions can be made by supervisors only. These regulations help protect the member (e.g., cashing a fraudulent check given to them) and the credit union from losing money.
What are the debit card designs?