What a checking account should be.

Peace of mind, nationwide access, and 24-hour convenience come standard on all our checking accounts. You'll also enjoy:

• VISA® Check Card with ZERO liability for unauthorized transactions
• Free Online Banking 
• Free Bill pay with unlimited transactions
• Overdraft Protection from savings, Visa® and Smart Pay
• Free eStatements and check copies
• Unlimited check writing
• Online check ordering
• Direct deposit 
   

Free Checking

• No Monthly Fees!
• No minimum balance
• No monthly fee for debit card usage

Or, Get Platinum Checking with Rewards!

Make every trip to the gas station, grocery store, and dry cleaners more rewarding with the Pacific Oaks Platinum Checking with Rewards. Earn points for your check card purchases.

• Earn competitive rates on your balance

• Bundle points from your Platinum Visa® Check Card and your Platinum Credit Card to rack up rewards
  even faster! 

• Earn Reward points redeemable for merchandise & travel

• Enroll for Visa Platinum Rewards

• Search rewards and view special offers

• Check out current discount offers

• $7 monthly fee waived with an average daily balance of $2500, and for members 55 and over. 

 

 Simply Debit, A Checking Alternative

• Unable to open a checking account due to credit problems or ChexSystems?

• An economical alternative to expensive check cashers and payday lenders with outrageous fees

• Email or call 805-384-1100 to speak with someone about the Simply Debit account. 
   
   

Smart Pay

Sometimes life's challenges can leave you a little short of cash. So we've introduced a smart way to help you surf life's unexpected financial waves.

• No sign-up. Service is automatic with a Share Draft account*
• Protection limit up to $1,000 (including Smart Pay fees)
• No Insufficient Funds or returns to payees
• Available with ATM services
• 30 days to bring account balance positive
• Only pay a fee of $35 for an item paid on insufficient funds 

*Some restrictions apply.

Order Checks

Lost or Stolen ATM or VISA® Cards

If your ATM Card is lost or stolen, call 888-241-2510.
If your VISA® Card is lost or stolen, call the Credit Union and VISA® at 800-543-5073.

*Approval for checking account and check card are subject to verification of credit and ChexSystems.