3% Premium Checking

Earn 3% APY interest on balances up to $20,000* and get premium benefits like free checks and Cash Back Rewards.

Orion Checking

Get free checking that pays you interest. Earn 0.05% APY with no minimum balance* and access Orion perks like online and mobile banking, mobile deposit and free bill pay.

Checking 2.0

Need a fresh start? This is the account for you. Our Checking 2.0 account features a low minimum balance and a low $5 monthly fee.


Orion believes your checking account should pay you.
With 3% APY Premium Checking, you can earn up to $600 a year in interest and also get:

To earn your 3% APY interest and make this a free checking account, just meet these two simple qualifiers per month:

  • Electronic deposits totaling at least $500/mo
  • Perform at least 8 signature-based card transactions

It's easy! When using your card, choose the credit option and bypass using your PIN.


Orion Checking is Orion's standard, free checking account. There are no monthly requirements for 0.05% APY and you'll also get:

  • Free remote deposit
  • Online and mobile banking
  • Free debit card
  • No minimum balance


Need a fresh start? This is the account for you. This account is easy to qualify for, has a low minimum balance, and a low $5 monthly service fee. Interested in learning about if Checking 2.0 might be right for you? Contact us.

For more information about our checking account options, visit an Orion branch location or contact us.

Ready to make the switch to Orion? Get our Checking Account Switch Kit Checklist.

Are you a business owner? See business checking options.


 Premium CheckingOrion CheckingChecking 2.0
Cash Back Rewards
Free Checks
Earns Interest
Overdraft Protection
Courtesy Pay
No Minimum Balance
Orion Debit Card
Mobile Deposit
Electronic Bill Pay
Online Banking
Orion Mobile App
Interest Rate*3% APY0.05% APY
Monthly Fee$0

When requirements are met


*Annual Percentage Yield (APY) is accurate as of today’s date and is subject to change after account opening. Fees may reduce earnings.

0.05% APY on portion of balance over $20,000. In order to qualify for 3% APY and avoid the $5 monthly fee, the following conditions must be met each month: Perform 8 signature-based debit card transactions (It’s easy! When using the card, choose the credit option and bypass using your PIN); Electronically deposit no less than $500 (Electronic deposits include: direct deposit, mobile deposits, cash or check deposits at the ATM, or link an account online and transfer from another financial institution, or a combination that totals or exceeds $500 each month. Internal transfers from an Orion share account do not qualify. Transfer deposits must be made from an external source).