Checking Accounts

PayAssure Checking
The PayAssure Checking Account provides full checking service. PayAssure offers a much higher level of overdraft protection and prevents you from having checks, electronic transfers, telephone initiated transfers, account debits and ATM/Debit Card transactions returned for non-sufficient funds up to your qualifying limit. With PayAssure you can avoid the hassle and embarrassment of declined Visa Debit Card transactions. To be eligible for a PayAssure checking account members must be 18 years and older. 

  • Opt – In your Visa Debit Card and get cash from the ATM or to cover everyday transactions even when cash isn’t in your checking account
  • Easy access through Internet Banking, Mobile App
  • eStatements and $30 minimum balance to open
  • Deposits to your account can be made by Remote access (by using your smart phone), mail, in person, direct deposit, at any Co-Op Deposit Taking ATM, or a Shared Branch location

Dividend Checking
The Dividend Checking Account provides full checking service with monthly dividends based on a $1,000 minimum daily balance. The low monthly service fee is waived when you maintain a $500 minimum daily balance, or a minimum of $5000 in the regular savings account, or if a senior. (62 and over).

Freedom Checking
The Freedom Checking Account provides full checking service. This account is free of monthly service charges and does not pay dividends. To qualify, just sign up for Direct Deposit. If you don't have access to direct deposit, an OMSEFCU Share Certificate, IRA, Loan, Visa or full-time student status will qualify you.

  • eStatements
  • Unlimited ATM, Point of Sale (POS), and VISA Check Card access
  • Easy access through Internet Banking, Mobile App and APL (Audio Response)
  • Deposits to your account can be made by Remote access (by using your smart phone) mail, in person, direct deposit or at any Co-Op Deposit Taking ATM, or a Shared Branch location
  • $30.00 minimum balance to open

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