FREE CHECKING

Personal Banking

Orion Free Checking

Enjoy the freedom of no fees and no minimum balance - Orion Free Checking keeps it simple. 

Orion Financial Debit Card ombre 03

Experience More with Orion Free Checking

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.

Orion Premium Checking

Orion Free Checking

Simple, no fees, no minimums

Manage your money anytime with 24/7 access and easy-to-use financial tools designed to fit your lifestyle. Whether you're checking your balance, paying bills, or transferring funds, you stay in control—wherever you are.

Orion Free Checking

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.

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

$01

$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
(Applies to Portion of
Your Balance Within the Range)

APY
(Represents the Yield of
Your Entire Balance)

$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.

Get Started With an Orion Checking Account