Checking Accounts

Checking Made Simple

In today’s world, a checking account requires more than the ability to easily access your money. You need convenience features to fit your busy lifestyle and digital tools to help you manage your finances. That’s why at OHecu, no minimum balance requirement comes standard in all of our checking account options. But that’s not all, you also earn access to our suite of convenience features that can help you quickly manage your accounts, deposit checks, pay bills, track spending, and much more.

Select Checking

Our most popular checking account. This dividend (interest) earning account also includes our identity theft monitoring and resolution service.

Open Account

Signature Checking

A basic checking account to fit your everyday needs.

Open Account

Student Signature Checking

Our free checking account for all members 23 years of age and younger.

Open Account

Compare Checking Accounts

Account Features	Select Checking	Signature Checking	Student Signature Checking
No Minimum Balance Required
Dividend (Interest) Bearing Account
Identity Theft Monitoring and Resolution Service
Unlimited Check Writing
OHecu VISA Debit Card¹
Unlimited Signature-Based Debit Card Purchases
Online & Mobile Banking
Access to Money Management
Remote Deposit*
Online & Mobile Bill Pay Service
Text Alerts
Access to Over 5,100 CO-OP Shared Branches Across the US
Access to Over 14,000 Surcharge Free ATMs Nationwide
Immediate Access to Your Payroll with Direct Deposit
Member Privilege¹
e-Statements
Free Initial Supply of 80 OHecu Logo Checks with Discounts Available on Subsequent Orders
Monthly Maintenance Fee
With e-Statements	$3.95	$5.95	FREE to all members 23 years of age & younger
Monthly Maintenance Fee is waived if member...
Open An Account Now		...is in the Bronze, Silver or Gold Package OR has Direct Deposit of at least $500 per month to this Checking Account²

¹Certain transactions may be subject to a fee. See OHecu fee schedule for complete details.

²A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement. Direct Deposit minimums must be received by the sixtieth day from the date the account is opened or changed to this account type to avoid the monthly service fee when the member is not eligible for the Package waiver.

^*Subject to qualifications.

Single
Income	Federal Tax Rate
$0-$10,275	10%
$10,276-$41,775	12%
$41,776-$89,075	22%
$89,076-$170,050	24%
$170,051-$215,950	32%
$215,951-$569,900	35%
$539,901+	37%

Head of Household
Income	Federal Tax Rate
$0-$14,650	10%
$14,651-$55,900	12%
$55,901-$89,050	22%
$89,051-$170,050	24%
$180,051-$215,950	32%
$215,951-$539,900	35%
$539,901+	37%

Married, Filing Jointly
Income	Federal Tax Rate
$0-$20,550	10%
$20,551-$83,550	12%
$83,551-$178,150	22%
$178,151-$340,100	24%
$340,100-$431,900	32%
$431,901-$647,850	35%
$647,851+	37%

Married, Filing Separately
Income	Federal Tax Rate
$0-$10,275	10%
$10,276-$41,775	12%
$41,776-$89,075	22%
$89,076-$170,050	24%
$170,051-$245,950	32%
$215,951-$323,925	35%
$323,926+	37%

Type	Residence	Tuition & Fees	With Room & Board
Public 4yr	Residence: In-state	Tuition & Fees: $10,740	With Room & Board: $22,690
Public 4yr	Residence: Out-of-State	Tuition & Fees: $27,560	With Room & Board: $39,510
Public 2yr	Residence: In-State	Tuition & Fees: $3,800	With Room & Board: $13,130
Private 4yr	Residence: N/A	Tuition & Fees: $38,700	With Room & Board: $51,690

Checking Accounts

Checking Made Simple

Select Checking

Signature Checking

Student Signature Checking

OHecu Checking Account Benefits Include

Compare Checking Accounts

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Inflation		2.9%
U.S. Treasury Bills		3.3%
Long-Term Government Bonds		5.7%
U.S. Large-Company Stocks		10.3%
U.S. Small-Company Stocks		11.8%

Year	Inflation Rate
2012		2.1%
2013		1.5%
2014		1.6%
2015		0.1%
2016		1.3%
2017		2.1%
2018		2.4%
2019		1.8%
2020		1.2%
2021		4.7%