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Checking Accounts | Image of person holding a debit card while using a tablet

Local Checking Accounts




Tell-A-Friend, Earn a REWARD! 

Use our simple Tell-A-Friend program to refer your friends and family to Mid Oregon Credit Union. When they open a new checking account, we'll buy back their old checks and debit cards for up to $10, and YOU receive a $10 gift card too. What are you waiting for? Tell-A-Friend today!


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!



Interest Checking

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


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


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


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


Already have Mid Oregon checking? Tell-A-Friend and get a gift card when they open a
checking account! It's easy to get started, and you can earn as many gift cards as you want!


Every Mid Oregon Checking Account Includes:

  • FREE Debit Card with CardNav Security
  • FREE Online Banking
  • FREE Mobile Banking plus Mobile Deposit
  • FREE eBillPay
  • 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.