Local Checking Accounts


Already have a Mid Oregon checking account? Refer a new member who opens a Mid Oregon checking account, and you both get a chance to win a Traeger! We're having a special drawing just for our Tell-A-Friend referrers.  Make a referral who opens an account by October 6 to be entered to win. Plus, you'll still earn a $10 gift card  just for making the referral.  it's easy to get started—just click and refer!

*One entry per member who makes a Tell-A-Friend referral resulting in a new checking account between August 21 and October 6, 2023.  Must be eligible to enter. See Mid Oregon for details. 



It's free checking, with all the fixins

It's checking done to perfection. When you open any Mid Oregon checking account, you'll be entered to win a Traeger® Ranger portable pellet grill valued at $449. Stop in or click the Checking Chooser, below!

One Traeger awarded per branch. Entries must be received by October 6, 2023 to be included in the drawing. Other limitations apply. See Mid Oregon for details.

Traeger Ranger

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.