Oak Trust Credit Union - Four Unique Accounts

Four Unique Accounts – One Perfect Fit For You!

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If you are having trouble deciding which Oak Trust Checking Account is perfect for you, view our comparison chart below. You may also contact a Member Service Representative over the phone or at any branch location.

Features	Free	Gold	Platinum Plus	Rewards
Minimum balance to open	$25	$25	$25	$25
Minimum relationship to avoid monthly fee	None	$2,500 in checking, or combined deposit and loan¹ balances of $7,500 or more	$5,000	$7,500 in checking, or combined deposit and loan¹ balances of $30,000 or more
Monthly service fee	None	$15 if minimum relationship not met	$15 if minimum relationship not met	$15 if minimum relationship not met
Dividend bearing	No	Yes, when daily average balance during month is $1,000 or more²	Yes, when daily average balance during month is $1,000 or more²	Yes, when daily average balance during month is $1,000 or more²
ATM usage	Free at OTCU-owned machines; 4 free foreign per month³	Free at OTCU-owned machines; 8 free foreign per month³	Free at OTCU-owned machines; 4 free foreign per month³	Free at OTCU-owned machines; 10 free foreign per month³
Free Visa Check Card^®	Yes	Yes	Yes	Yes
Number of checks allowed per month	Unlimited	Unlimited	25 $2 per check after that	Unlimited
Free online images of checks written	Yes	Yes	Yes	Yes
Free OTCU Custom Checks	No	1 box per year, or $10 credit toward designer checks	1 box per year, or $10 credit toward designer checks	2 boxes per year, or $10 credit toward designer checks
Free telephone banking, online banking, eNotices, and eStatements	Yes	Yes	Yes	Yes
Overdraft protection from savings	Yes⁶	Yes⁶	No	Yes⁶
Overdraft Courtesy Pay	Yes²	Yes²	Yes²	Yes²
Overdraft protection from Overdraft Line of Credit	No	No	No	Yes⁴
Free Bill Pay Type	Bill Pay⁵	Bill Pay⁵	Bill Pay Plus	Bill Pay Plus
Free Travelers Checks	No	Yes	Yes	Yes
Surcharge Rebates	No; but members have access to over 55,000 surcharge-free ATMs	No; but members have access to over 55,000 surcharge-free ATMs	No; but members have access to over 55,000 surcharge-free ATMs	Yes, rebates up to $5 per month (maximum $1 per surcharge); member have access to over 55,000 surcharge-free ATMs

1 Does not include Visa® Credit Card balances
2 Courtesy Pay is a discretionary service in which Oak Trust may pay NSF items that create a reasonable overdraft; payment of NSF items is not a right or obligation and my cease at any time without prior notice of reason or cause. Your entitlement to the benefits of this program depends on your ongoing relationship with Oak Trust. There is currently a $29.00 fee associated with the service. We do not recommend frequent use of this program as fees can become costly. It is your responsibility to make immediate payment of any overdrafts including any service fees to Oak Trust.
3 Fees from other institutions may apply
4 While there is no fee for accessing your line of credit, interest is charged to your outstanding balance. Eligibility and/or credit approval required.
5 Upgrade to Bill Pay Plus for monthly charge of $1.00
6 There is currently a $3.00 fee for automated transfer from your share account and a $29.00 fee for non-automated transfers. Eligibility and/or credit approval required.

Oak Trust Credit Union is federally insured by the National Credit Union Administration

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