Open a Checking Account

 

Direct Checking

BreakFree Checking

 
Opening Deposit Requirement $100 $100
No Minimum Balance Yes Yes
Unlimited Check Writing Yes Yes
Internet Banking -- Bill Pay Yes Yes
Free 24-hour Telephone Banking Yes Yes
Free E-mail Account Alerts Yes Yes
Optional Overdraft Protection Plan* Yes Yes
Earn Interest on Your Balance No Yes
Monthly Maintenance Fee $10.99 No-Activity Fee or Waived
when requirements are met **
$15.00 Maintenance Fee or Waived
when requirements are met***
Checks - First Order 1st order of 50 free 1st order of 50 free
Early Closing Fee $35 (within 90 days of opening) $35 (within 90 days of opening)
Access
  • Convenience: unlimited ATM transactions at over 100 local ATMs in the metro area including 21 Quik Trip convenience stores
  • All accounts include secure 24/7 account access, transfers, online statements, balance alerts, and more ways to manage your account online.
 

*Checking Reserve line of credit available. Subject to credit approval.

**A no-activity fee of $10.99 (plus sales tax, if applicable) will be charged unless ACH credits (such as direct deposit) and/or Mobile Banking + Express Deposits totaling $500 or more are deposited in your account during each monthly statement cycle.

***$15.00 maintenance fee waived for any statement cycle in which 12 or more point-of-sale debit card transactions post. Qualifying debit card transactions must post and settle during the statement cycle. ATM transactions do not count toward the required transactions.

 
OAC Checking