Live Your Life Moments
Achieve financial and physical wellness by activating an Orlando Credit Union Checking Account today.
When you open a checking account, you want more than just a place to put your money. You also want a great rate, low or no fees, and opportunities to earn rewards. Orlando Credit Union offers checking accounts with all of that—plus easy ways to access your funds, manage your money on the go, and much more.
Orlando Credit Union Checking Accounts Give You...
- No fees or easy ways to avoid fees
- Mobile check deposit
- Direct deposit
- Free online bill pay
- Contactless Visa® debit card with digital wallet and money transfer service
- Check reordering
- Online money management
- Free online and mobile banking
- Reward opportunities
- Automated phone banking
- Optional overdraft line of credit for credit qualified applicants
- Security alerts
- Surcharge-free access to more than 80,000 ATMs across Florida and nationwide
- More than 5,000 shared branch locations
- Paperless statements
Which Checking Account Is Best For You?
Simple Checking
The classic choice for everyday banking.
Manage your finances easily with this easy to open checking account.
- Minimum opening deposit of $25*
- No monthly service fees
- Rewards through My Debit Offers
- Free eStatements
- Surcharge-free access to more than 80,000 ATMs across Florida and nationwide
Rewards Checking
Get rewarded for your banking activities.
Earn points for cash back, gift cards and much more.
- Minimum opening deposit $100*
- Monthly service fee $10 (with easy ways to avoid fees altogether**)
- Rewards Points Program for gift cards, cash back, travel and more
- Free eStatements
- Surcharge-free access to more than 80,000 ATMs across Florida and nationwide
- More exclusive account benefits
Premium Rewards Checking
Our most rewarding choice also pays interest.
Rack up rewards with your daily banking activities while earning interest on your account balance.
- Minimum opening deposit $500*
- Monthly service fee $20 (with easy ways to avoid fees altogether***)
- Earn dividends on your account balance
- Rewards Points Program for gift cards, cash back, travel and more
- Rewards debit card
- Rewards for direct deposits
- My Debit Offers
- Free eStatements
- Surcharge-free access to more than 80,000 ATMs across Florida and nationwide
- More exclusive account benefits
Can't Decide? View Comparison Chart
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*As a condition of membership, you must maintain an Ownership Share Account with $5. Every member must also have a Share Savings Account to be eligible for any other products or services. For a listing of all our fees, please refer to our Schedule of Fees.
**Avoid monthly service fee by having a $500 average monthly balance in checking or combined relationship balance of $10,000 or more - does not include credit card. Combined relationship balances includes deposit account balances and loan balances, excluding credit cards, per member number.
***Avoid monthly service fee by maintaining a $5,000 average monthly balance in checking or combined relationship balance of $25,000 or more (does not include credit card. Combined relationship balances includes deposit account balances and loan balances, excluding credit cards, per member number.
Drawing Sponsor: This drawing is sponsored and administered by Orlando Credit Union.
lululemon Gift card Drawing period: Starts February 3rd, and ends March 31, 2025, OFFER IS NOT VALID IN CONJUNCTION WITH ANY OTHER OFFERS OR PROMOTIONS.
lululemon Recipient Eligibility: The lululemon Gift card drawing is open to legal residents of the continental USA who are 18 years of age or older. Each member who enters the drawing of a lululemon Gift card from Orlando Credit Union must be a member in good standing with Orlando Credit Union. By entering this drawing, entrants accept and agree to be bound by these Official Rules and the decisions of Orlando Credit Union. Orlando Credit Union employees, officials, directors, and members of their immediate families are not eligible to participate in the drawings. “Immediate family” is defined as including parents, spouses, children, siblings, or any members of the same household.
lululemon Gift card Recipient Rules governing selection and disbursement: The drawing consists of 2 separate drawing periods. The entry and drawing for each Drawing Period are as follows:
Drawing period
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Winner selection
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February 3, 2025, through February 28, 2025
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First week March 2025
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March 1, 2025, through March 31, 2025
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First week April 2025
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One recipient will be drawn each month in the first week of the month during the drawing period beginning March and ending April 2025. lululemon Gift cards may not be transferred, redeemed for cash, or substituted by/with the Recipient with/by/from Orlando Credit Union.
Rules to enter lululemon Gift card drawing:
- One member may enter the drawing one time during the origination of a new checking account.
- Legal residents of the continental USA who are 18 years of age or older may enter the drawing by choosing to mail in an entry for the lululemon drawing as no purchase or payment of any kind is necessary to enter. Mailed in entries must be submitted on an 8.5x11 piece of paper with:
- Full legal name, legal address, a daytime phone number for contact, a current e-Mail address.
- All mailed entries must be received by the last day of the month during the drawing period: February 28, 2025, March 31, 2025.
Send your submission via mail to: Orlando Credit Union
Attn: Marketing department
945 South Orange Avenue
Orlando, FL 32806
If a write-in entry form or card is drawn, but an Orlando Credit Union employee(s) is unable to determine the recipient because of illegible writing, that entry form or card will be disqualified. No copies, mechanical reproductions, or metered mail accepted. Mail-in entries must be received by the end of each month to be eligible for the monthly drawing. Proof of mailing does not constitute proof of delivery. Orlando Credit Union is not responsible for lost, late, incomplete, misdirected, damaged, postage due, or illegible entries or mail. Once submitted, entries become the sole property of Orlando Credit Union and will not be acknowledged or returned.
lululemon Gift card Recipient selection: Each drawing entrant has an opportunity to be selected as a Lululemon Gift card recipient. To be selected as a lululemon Gift card recipient, a member must enter the drawing to win a lululemon Gift card. The lululemon Gift card recipient is randomly selected from entries. The odds of winning depend on the number of entries received.
Liability/General Rules: Orlando Credit Union is not responsible for any loss which may occur in connection with the drawing. The Entrant agrees to hold the Orlando Credit Union harmless from any liability arising from participation in the drawing or the acceptance, receipt, possession, or misuse of the lululemon card. Orlando Credit Union and each of its officers, directors, employees, members, and representatives and agents are not responsible for any negligence, claims, liability, injury, property loss, or other damages of entrants and/or recipients arising from, or in connection with, acceptance, receipt, possession, or use/misuse of lululemon Gift card awarded or participation in this drawing. Orlando Credit Union is not responsible for any incorrect or inaccurate information, whether caused by tampering, hacking, or by any of the equipment or programming associated with the drawing. A lululemon Gift card may not be substituted, converted to cash, assigned, or transferred by recipients. Orlando Credit Union reserves the right to substitute a lululemon Gift card of equal or greater value should the featured lululemon Gift card become unavailable for any reason. Orlando Credit Union reserves the right to disqualify entrants who fail to follow these Official Rules and regulations or who make any misrepresentations relative to the drawing and redemption of a lululemon Gift card.
lululemon Gift card Recipient notification: Recipients are notified by telephone or email from Orlando Credit Union within 7 business days from completion of the drawing. Recipients will have seven (7) days to respond to the notice. If the recipient does not respond within seven (7) days from the initial notification, then Orlando Credit Union will randomly draw a new recipient from the remaining entries and the first recipient shall be voided. The recipient shall be subject to the same rules. Telephone number and/or email contact information will be provided on a new checking application or through a mailed in drawing submission for entry into the drawing. Recipients will receive their lululemon Gift card through mail service to the official address as marked on their checking application or mailed in drawing submission. Alternatively, Orlando Credit Union may also may arrangements with the recipient to pick up the lululemon Gift card in-person from an Orlando Credit Union branch location. Orlando Credit Union does not assume responsibility for incorrect/inaccurate drawing entry information/ maintenance of said information or of any fees associated with the lululemon Gift card.
LIST OF lululemon Gift card WINNER(S)/OFFICIAL RULES REQUESTS: To receive the name of the winners or a copy of the Official Rules, send a stamped self-addressed envelope after the drawing period to the sponsor: Orlando Credit Union, c/o Marketing Department, 945 South Orange Avenue, Orlando, FL 32806.
Monetary Tax: Drawing recipient will receive a 1099-MISC Tax Form for the actual value of the lululemon Gift card to file with the IRS for the 2025 tax year. Drawing recipients are responsible for reporting any monetary and/or non-monetary prize earnings under federal and state regulations.
Publicity Authorization: The lululemon Gift card recipient agrees to permit Orlando Credit Union to utilize his/her name and likeness in promotional and other Credit Union materials, without additional compensation or permission, except where prohibited by law.
Choice of Law: All issues and questions concerning the construction, validity, interpretation, and enforceability of these Official Rules, or the rights and obligations of entrant and Orlando Credit Union in connection with the Drawing, shall be governed by, and construed in accordance with, the substantive laws of the State of California, USA, without regard to choice of law rules.
Limitation of Liability: Entrants agree to hold the Credit Union and its officers, directors, employees and representatives harmless from any liability arising from the participation in the drawing, the prizes themselves, or the acceptance, receipt, possession, or use/misuse of the prizes.
lululemon
lululemon. and its dealers and vendors do not in any way sponsor, endorse, approve, or assume any responsibility for this drawing. LULULEMON ATHLETICA is a trademark of LULULEMON ATHLETICA CANADA INC.
ARBITRATION: NOTICE OF BINDING ARBITRATION AGREEMENT: You and we agree to attempt to informally settle any disputes arising out of or connected with this drawing or any prizes awarded. If that cannot be done, you and we agree that any dispute arising out of or connected with this drawing will be resolved by BINDING ARBITRATION administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Dispute Resolution Procedures and Supplementary Procedures for Consumer Related Disputes. You thus GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under these Official Rules (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION, SO LONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT). Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury. You are entitled to a FAIR HEARING, BUT the arbitration procedures are SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. Arbitrator decisions are as enforceable as any court order and are subject to VERY LIMITED REVIEW BY A COURT. The place of arbitration shall be in the County in which you reside. Any claims and defenses that can be asserted in court can be asserted through arbitration. The arbitrator shall be entitled to award the same remedies that a court can award, including PUBLIC INJUNCTIVE RELIEF to the extent available under the CALIFORNIA UNFAIR COMPETITION LAW AND CONSUMER LEGAL REMEDIES ACT. Discovery shall be available for non-privileged information to the fullest extent permitted under the Rules. The arbitrator’s award can be entered as a judgment in court. Any ARBITRATION under these Official Rules WILL BE ON AN INDIVIDUAL BASIS. You understand and agree that YOU ARE WAIVING THE RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN A CLASS ACTION. If YOU PREVAIL on the merits of your claim in arbitration, ORLANDO CREDIT UNION WILL PAY YOUR ATTORNEYS’ FEES. You will NOT be required to pay ORLANDO CREDIT UNION’S ATTORNEYS’ FEES IF ORLANDO CREDIT UNION PREVAILS. This NOTICE OF BINDING ARBITRATION AGREEMENT shall be interpreted and enforced in accordance with the Federal Arbitration Act set forth in Title 9 of the U.S. Code to the fullest extent possible, notwithstanding any state law to the contrary, regardless of the origin or nature of the claims at issue. FOR MORE DETAILS, check the American Arbitration Association’s website, www.adr.org, OR call the American Arbitration Association’s Customer Service telephone number at (800) 778-7879.