3% APY Premium Checking

Earn 3% APY interest on balances up to $15,000* and get premium benefits like free checks and Out-of-Network ATM Fee Reimbursement.

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.
3% APY Premium Checking offers you a great return on your deposits through a tiered earning platform, plus you can also get:

  • Free checks
  • Online and mobile banking
  • Out-of-network ATM fee reimbursement (when Premium Perks Qualifiers are met. See conditions below)
  • Free bill pay

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

  • Electronic deposits totaling at least $500/mo Electronic deposits include: direct deposit, ATM deposit, mobile deposit, and electronic transfers from another financial institution.
  • Perform at least 8 signature-based card transactions It's easy! When using your card, choose the credit option and bypass using your PIN.

When you meet the Premium Perk Qualifiers, the following rates will apply:

Account Dividend Rate Blended APY
Premium Checking
$0 – $15,000 2.95950% 3.00%
$15,000.01 to $100,000 2.01% 2.99% to 2.17%
$100,000.01 to $250,000 1.50% 2.17% to 1.77%
More than $250,000 1.00% 1.77% to 1.00%
When Premium Perks Qualifiers not met: 0.05000% 0.05%
Dividend Rate applies to portion of daily balance within corresponding range. Blended APY represents yield on whole balance.

*Conditions must be met to qualify for 3% APY. See Checking Account Details for more information. 0.05% APY earned when conditions are not met.


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.


 Premium CheckingOrion CheckingChecking 2.0
ATM Fee Reimbursement
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 1/2/2020 and is subject to change after account opening. Fees may reduce earnings.

Premium Perks: (1) Premium Interest, (2) ATM Fee Reimbursement, and (3) Waiver of the $5 monthly fee. To receive the Premium Perks, you must meet the Premium Perks Qualifiers on your Premium Checking account for the applicable month. Premium Perks Qualifiers: (1) Deposit at least $500 electronically (direct deposit, ATM deposit, mobile deposit, or transfer from another institution) and (2) Perform at least 8 signature-based debit card transactions. Premium Interest Rules: On daily balance of $0 to $15,000, Annual Percentage Yield (APY) is 3.00%. Depending on the balance, the following ranges apply. On $15,000.01 to $100,000, APY is 2.99% to 2.17%. On $100,000.01 to $250,000, APY is 2.17% to 1.77%. For over $250,000, APY is 1.77% to 1.00%. If Premium Perks Qualifiers are not met all account balances receive 0.05% APY. One account per individual member. ATM Fee Reimbursement Rules: (1) There are no fees for using your Orion card at an Orion-owned ATM (2) Qualifying Fees are fees charged by the owner of a non-Orion ATM that are less than $10.00 per transaction for any of the following transactions: Withdrawal of at least $10.00, Balance inquiry, or Balance transfer. (Remember that you may make balance inquiries and transfers instantly from our mobile app for free). Orion will reimburse Qualifying Fees totaling up to $10.00. Orion will waive the fees Orion normally charges for “Withdrawals, Transfers, or Balance Inquiries at non-Orion ATMs” without reducing your $10.00 limit. ATM Fee Reimbursement will be applied on the last day of each month. Account must be open at time of reimbursement. Please save your receipt to resolve any discrepancies. When you do not meet the Premium Perks Qualifiers, you will incur a $5 monthly fee and receive 0.05% APY on your entire balance.