5%
Premium Checking
Terms Apply
Personal Banking
Premium Checking
Your checking account should do more than just hold your money—it should help you grow it.
Experience More with Orion Checking
With our Premium and Free Checking options, you get the flexibility, rewards, and tools to take control of your finances.
- 2 Checking account options to choose from
- Earn up to 5% APY with Premium Checking
- No minimum balance
- No monthly fee after meeting qualifications1
Premium Checking
High Earnings, Great Perks
Orion’s Premium Checking account offers one of the best returns on your balance with a tiered interest system that rewards you more as your balance grows. Earn 5% APY on balances up to $10,000, and up to 5% APY on higher balances.
Orion Free Checking
Simple, no fees, no minimums
For those seeking a straightforward, hassle-free checking account, Orion Free Checking is the perfect option. With no fees and no minimum balance, it supports your financial journey while giving you the flexibility and convenience you need.
Premium Checking | Orion Free Checking | |
|---|---|---|
| ATM Fee Reimbursement | ✔️ |
|
| Earns Dividends | ✔️ |
|
| Overdraft Protection | ✔️ | ✔️ |
| Courtesy Pay | ✔️ | ✔️ |
| No Minimum Balance | ✔️ | ✔️ |
| Orion Debit Card | ✔️ | ✔️ |
| Mobile Deposit | ✔️ | ✔️ |
| Electronic Bill Pay | ✔️ | ✔️ |
| Online Banking | ✔️ | ✔️ |
| Orion Mobile App | ✔️ | ✔️ |
| Dividend Rate | Up to 5% 2 |
|
| Monthly Fee | $0 | $0 |
Premium Checking
Premium Checking offers you a great deposit return through a tiered dividends system. Find out how to ensure you get the most for your money.
To earn your dividends, 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/month.
- Electronic deposits include: direct deposit, ATM deposit, mobile deposit, and electronic transfers from another financial institution.
- Spend at least $500/month on your Orion debit or Orion credit card.
When Premium Perks Qualifiers are not met, the dividend rate and corresponding APY are 0.01% on the entire balance. See Checking Account Details and Account Disclosures for important terms and conditions, including how to meet the Premium Perks Qualifiers. All Premium Checking rates above are those expected to be declared on the next dividend declaration date (last day of the month) but are subject to change until declared. Consumer accounts only.
When Premium Perks Qualifiers are Met
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 to $10,000 | 4.96003% | 5% |
| $10,000.01 to $75,000 | 1.75000% | 5.00% to 2.21% |
| $75,000.01 to $100,000 | 3.00000% | 2.21% to 2.43% |
| Over $100,000 | 4.50000% | 2.43% to 4.55% |
Example Rate of Return When Premium Perks Qualifiers are Met
| Initial Balance | Annual Dividends | APY |
|---|---|---|
| $10,000.00 | $500.00 | 5% |
| $25,000.00 | $764.62 | 3.06% |
| $50,000.00 | $1,205.64 | 2.41% |
| $100,000.00 | $2,433.28 | 2.43% |
| $250,000.00 | $9,324.26 | 3.73% |
Annual Percentage Yield (APY) is accurate as of 12/1/2024 and subject to change after account opening. Advertised APY assumes Premium Perks Qualifiers are met. When qualifiers are met, on balances up to $10,000, 5% ; on balances from $10,000.01 to $75,000, 5.00% to 2.21% APY; on balances from $75,000.01 to $100,000, 2.21% to 2.43% APY; on balances over $100,000, 2.43% to 4.55% APY. When Premium Perks Qualifiers are not met, the dividend rate and corresponding APY are 0.01% on the entire balance. All Premium Checking rates above are those expected to be declared on the next dividend declaration date (last day of the month) but are subject to change until declared. Other Premium Perks are subject to change without notice. Fees may reduce earnings. Insured by NCUA.