Local Checking Accounts

Made-to-Order Checking, Just for You!

Simply Free Checking is always on the menu, with no monthly service charges, free VISA Debit Card, and a full plate of convenient spending, budgeting, and money-management tools right at your fingertips with Digital Banking.

Plus, when you open a new checking account at Mid Oregon, you'll be entered to win a $250 gift card for a popular local eatery!

Dinner Gift Card

Entries must be received by April 7, 2023 to be included in the drawing. Other limitations apply. See Mid Oregon for details.

Tell-A-Friend, Earn a REWARD! 

gift card

Tell-A-Friend about Mid Oregon Credit Union and when they open a new checking account, we'll buy back their old checks and debit cards for up to $10, and YOU will receive a $10 gift card. What are you waiting for? Tell-A-Friend today!

Tell-a-Friend Now!

Need help choosing the right checking account?

Take a quick quiz to find the account that's perfect for your spending habits.

Help Me Choose
woman thinking

Great benefits with EVERY checking account! 

If your current checking account is costing you more and giving you less, try Simply Free Checking from Mid Oregon Credit Union. This money-saving checking account has no monthly service charges and no minimum monthly balance requirements—plus, it’s loaded with free features!

Want even more choices? We have three personal checking accounts that pay you dividends. Stop in to open any checking account now, and we’ll pay you up to $10 for your unused checks and debit cards from your previous financial institution. Just bring them in when opening any new checking account!

Direct Interest

Earn dividends with Direct Deposit
  • Competitive dividends
  • No minimum balance
  • No monthly service charges

Simply Free

Most Popular
A FREE account for everyone
  • No minimum balance
  • No monthly service charge
  • Easy, no-nonsense money management

50+ Interest Checking

Perfect for members 50 and better
  • FREE first box personalized checks
  • Competitive dividends
  • No minimum balance
  • No monthly service charge

Premium Interest Checking

When you want higher dividends
  • FREE personalized checks
  • Competitive tiered dividend rates 
  • We'll reimburse you for out-of-network ATM withdrawals—up to $10/month
  • $10 monthly charge for balances below $2,500

Every Mid Oregon Checking Account Includes:

  • FREE Debit Card with Card Management

  • FREE Credit Reports with Credit Savvy
  • FREE Digital Banking plus Mobile Deposit
  • FREE BillPay
  • FREE eStatements with online check images
  • Direct Deposit
  • 30,000+ CO-OP Network ATMs nationwide
  • PLUS—We'll buy back your debit cards and unused checks from your previous financial institution—Ask us how!

Pressed for time? send us a message and we'll help you choose!

Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details. Only $50 to open your accounts. Ask us for details. Offer good on personal accounts only. Ask about our outstanding options for your business or organization. Credit union rules and regulations apply. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.