Checking Accounts


CHECKING

Checking

  • No monthly service charge
  • Unlimited check writing
  • Monthly statement (paper or eStatements)
  • No minimum balance requirement
  • Access your account 24 hours a day, 7 days a week with FREE online banking and our phone banking 1-800-828-5831
  • FREE Debit Card
  • FREE Bill Pay with 24 hour customer service 1-844-233-7702
  • FREE Touch Banking APP
  • Google Play Apple Store
  • FREE Card Valet App
  • Google Play Apple Store
  • Payroll Deduction
  • Overdraft Protection
  • Courtesy Pay-$32 charge, max of $128 per day. Up to $500 per checking account The overdrafts and fees must be paid within 30 days to the credit union.

SECOND CHANCE CHECKING

Second Chance Checking

At Okaloosa County Teachers Federal Credit Union, we want to help you leave your financial troubles in the past and move forward with a Second Chance Checking Account. If you’ve been turned down for a checking account by another financial institution, then this checking account is for you!

GOLDEN ADVANTAGE CHECKING

Golden Advantage Checking

Must be 55 years of age or older and have Direct Deposit with Okaloosa County Teachers FCU. Small Buisness Accounts are not eligible. Benefits to having Golden Advantage are:

  • No charge for checks on share draft/checking accounts
  • No service charge on Official Checks or Money Orders; Limit of 3 per month each
  • No upcharge on Gift Cards (club members pay $2 verses $3 per card)
  • No charge on wire transfers; limit of 3 per month
  • FREE Debit Card
  • FREE Bill Pay with 24 hour Customer Service 1-844-233-7702
  • FREE Touch Banking APP
  • Google Play Apple Store
  • FREE Card Valet App
  • Google Play Apple Store
  • Overdraft Protection
  • Courtesy Pay-$32 charge, max of $128 per day. Up to $500 per checking account The overdrafts and fees must be paid within 30 days to the credit union.

BUSINESS CHECKING

Business Checking

To open a business account, you will need to provide business license (LLC, Inc., DBA) along with all tax ID forms.

  • Minimum of $25.00 deposit
  • $5.00 monthly fee for accounts below $1000
  • Monthly statement (paper or Estatements)
  • Access your account 24 hours a day, 7 days a week with FREE online banking and our phone banking 1-800-828-5831
  • FREE Debit Card
  • FREE Bill Pay with 24 hour customer service 1-844-233-7702
  • FREE Touch Banking APP
  • Google Play Apple Store
  • FREE Card Valet App
  • Google Play Apple Store
  • Overdraft Protection
  • Courtesy Pay-$32 charge, max of $128 per day. Up to $500 per checking account The overdrafts and fees must be paid within 30 days to the credit union.

EMV Chip Cards

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Interactive Video Player

How do I use my new EMV Chip Card?

Start the payment process by swiping your card, just as you normally do.

If the terminal is chip-enabled you will be instructed to inset your card.

EMV Chip Card Machine EMV Chip Card Machine Being Signed
  1. Insert your card, face up and chip end into the chip-enabled terminal.

  2. Leave the card in the terminal during the entire transaction.

  3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.