Personal Accounts
Featured Accounts
We’ve changed the names of our accounts and their descriptions. Effective November 1, 2022, you may notice the new account names when you login to MemberDirect, on your monthly account statement or when you open a new account.
Accounts for Seniors
Our Core+ and Momentum+ accounts offer maximum benefits without any fees. For anyone over the age of 60 who can benefit from no-fee daily banking. Previously Golden 60 (Golden Chequing and Plan 24 Golden).
Features
- No monthly fee
- Interest calculated on closing daily balance and paid monthly (Momentum+ accounts only)
- Free unlimited Interac e-Transfers
- Free unlimited Interac direct payment access (Point of Sale)
- Free monthly electronic statement via online banking
- Free unlimited in-branch transactions
- Revolving line of credit available on approved credit (OAC)
- Coverdraft available at no charge
- Free MemberDirect® online services:
- Bill payments
- Cheque deposits using mobile deposit in the OCU app
- Transfers from OCU accounts
- Free unlimited cheque writing1 and pre authorized payments (Core+ accounts only)
- Free unlimited ATM deposit and withdrawals at OCU branches and 4000+ other Exchange ATM’s
- Discount on safety deposit boxes
- No minimum balance
1 Cost of printed cheques are not included
Accounts for Youth
(0 to 24 years)
Our Core and Momentum accounts for youth are specifically designed to meet the needs of our youth while establishing themselves on a limited budget. Previously Kudos.
Features
- No monthly fee
- Unlimited use of OCU’s ATMs and 4000+ other Exchange Network ATM’s across Canada.
- 10 free withdrawals from any institution’s ATMs within Canada per month
- 25 free transactions per month (Interac/Point of Sale, MemberDirect® Online Services, cheque writing, additional ATM withdrawals)
- Daily interest on account paid monthly (Momentum accounts only)
- No additional charges for ordering cheques (member pays for cheque cost only) (Core accounts only)
- Free monthly electronic statement via online banking
- Educational Loan/Line of Credit available on approved credit
- Aura Loyalty Teen™ (ages 13-19) prepaid credit card available (Associated with parent’s Aura account)
Features
US dollar clearing and in-branch debits
- Monthly statement included with Canadian funds statement
Membership Has Its Benefits.
Aura™ Loyalty is a reloadable prepaid Mastercard® and financial wellness app which offers discounts at participating merchants.
