It's what you do, not what you have.

And now, what you do, earns you more!

When you open a new Remarkable Checking account from OCCU, you can earn 4.00% APY* on balances up to $20,000, and .20% APY on balances greater than $20,000 for the first 6 months when monthly qualifications are met. Following the introductory period, you’ll continue to get great earnings.

We know having the required balances to earn a higher return isn’t always an option. That’s what makes Remarkable Checking different. You determine the earning potential based off your actions, not on your balance.

With a six-month introductory rate of 4.00% APY on balances up to $20,000, when you qualify, earning has never been more accessible.

Get more rewards with direct deposits automatically sent to your account up to three days early.3

It’s easy to meet these three simple monthly qualifications -

Maintain active enrollment in eStatements

Log in to MyOCCU Online and enroll in eStatements, it’s that simple.

One automated transaction

Need some ideas? Think direct deposit for your paycheck or arrange a monthly payment with one of your utility providers.

Make 12 cleared debit card transactions.

This is a lot easier than it sounds. If you swipe, it counts! Make sure that 12 or more transactions are processed and cleared in each billing period to qualify.

How can you reach 12 cleared transactions a month?

Reaching 12 swipes is easier than you might think:

  • A trip to fill your gas tank. 
  • Grabbing a cup of coffee on your way to work. 
  • Enjoying a night out with friends. 
  • A visit to the grocery store.   

These everyday transactions help you earn more and keep you on track to reach your financial goals. 

holding phone

Keeping track

Worried about keeping track of how you’re doing? We’ll send out a mid-month reminder email letting you know how you’re doing to help you reach that introductory 4.00% APY. At OCCU we want you to get the most out of your checking account. Remarkable Checking has no monthly services fees, no minimum balance, and access to MyOCCU Online and Mobile, bill pay and ATMs throughout the nation.2

Open now

14.00% annual percentage yield (APY) intro rate effective for the first month of new account opening and 6 statement cycles (“cycle”) after for balances of $20,000 or below. Remaining balances greater than $20,000, will receive a rate of .20% APY. After the intro period, a 2.00% APY is applied to the first $20,000. Remaining balances greater than $20,000, will receive a rate of .20% APY. All rates subject to the following qualifying factors required per cycle: 1) 12 settled debit card transactions; 2) 1 direct deposit or ACH debit or credit transaction (excluding OCCU’s Bill Pay service); and 3) active enrollment in eStatements. If one or more of the qualifying factors are not met, account will receive a default rate of .05% APY for that cycle. Statement cycle = first day of the month to the last day of the month (ex. May 1 – May 31). APYs effective as of 02/09/2023 and subject to change. Introductory offer may end at any time, contact OCCU for details. Fees could reduce earnings.

2Foreign ATM fees charged by non-OCCU and non-Co-op financial institutions for the use of their ATMs will be automatically credited back to your account by OCCU at the end of the statement cycle. This credit is subject to meeting the qualifying factors. Statement Cycle = first day of the calendar month to the last day of the calendar month. Example: May 1 – May 31.

3Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. OCCU may, but shall not be required to under any circumstances, make these funds available on the day the payment file is received, which may be up to three (3) days earlier than the scheduled payment date. OCCU does not assume any liability for not depositing these funds to your account early. OCCU may terminate early access at any time without notice.