Checking Account Options
Keep banking simple with no minimum balance on personal checking accounts (excluding Money Market Accounts) and no monthly maintenance fees. Members don't need to worry about restrictions when we have your members' best interests in mind.
Checking (Share drafts) – Current Rates
NO MINIMUM DEPOSIT is required to open our checking account unless checks are ordered, plus no minimum balance is required to avoid fees. A member is charged a service fee only if the account is overdrawn. In addition, the checking account agreement states the credit union will automatically transfer funds from the member's savings account to cover an overdraft, providing funds are available. Other overdraft protection arrangements are available from deposit accounts, personal lines-of-credit loans, and our optional Courtesy Pay Program. Please see section 14 of our Membership Account Agreement for further overdraft information. All checking accounts are verified through ChexSystems and Transunion. Talk with a Member Service Representative if you have any other questions.
Fresh Start Checking - Current Rates
A Fresh Start account is an excellent option for someone who has previously been reported to ChexSystems and has had a negative standing with a checking account. Fresh Start Checking is a debit card-only account. Speak with a Member Service Representative for additional information.
Minor Checking- Current Rates
We offer a minor checking account for a child 14 - 17 years of age who meets the membership eligibility requirements through a parent or guardian. That parent or guardian is secondary to the account and ultimately responsible for the minor's checking account.
Money Market – Current Rates
The Money Market account requires a $2500 MINIMUM and receives a tiered rate. The money market account is for members who want a higher interest-bearing account and the flexibility to write a limited number of monthly checks. In addition, this account earns a monthly dividend.
Membership Eligibility Required, Federally Insured by NCUA. Please speak with a Member Service Representative to determine which account option is best for you.
Ozark Federal Credit Union has two mobile apps available to you. You can download the OFCU Mobile app on Apple or Google Play or you can download the Brella app directly from your app store.
Talk to a Member Service Representative about overdraft protection options for our Ozark Federal Credit Union checking accounts. You must make an opt-in, such as Courtesy Pay if you choose this option. We also offer a line of credit option for overdrafts, which keeps your account in good standing. Membership, credit approval, loan terms, and conditions apply.
APY = Annual Percentage Yield
DR = Dividend Rate