Checking that rewards your everyday life
Make every purchase count with a Share Draft Rewards Checking Account that gives back.
Earn up to 2.05% APY1 on balances up to $6,000 when you meet monthly qualification requirements — or 1.5% cash back2 on up to $600 in monthly debit card purchases when your balance is below $6,000.
No maintenance fees5, no tricks — just smarter banking that rewards you for living your life.
Why You’ll Love It
Earn more automatically
Whether you keep a higher balance or prefer earning cash back on daily purchases, your account rewards you based on how you manage your finances.
Use your Debit Card — that’s it
The same card you use for groceries, streaming, or coffee helps you qualify each month.
Get paid early
Set up direct deposit and access your paycheck up to two days sooner7.
No monthly fees or minimums
No minimum balance or hidden charges1,5.
Nationwide access
Withdraw cash at 35,000+ fee-free ATMs through CO-OP and Citibank branch networks.
Full digital access
Manage everything from your phone or computer with Online or Mobile App — anywhere, anytime6.
Earning rewards should feel effortless — because it is.
How to Qualify3
You don’t need to jump through hoops — just use your account naturally. Meet these easy steps each month, and you’ll automatically earn your rewards.
Make 15 debit card purchases per month.
Set up direct monthly deposit of any amount.
Enroll in eStatements through Online Banking.
Your Rewards, Your Way
Cash back or higher yield — your account decides, for your benefit.
You don’t have to choose – your Share Draft Rewards Checking adjusts each month based on your balance3:
Keep an average balance of $6,000 or more → earn 2.05% APY1.
Keep a lower balance → earn 1.5% cash back2 on up to $600 in monthly debit purchases.
It’s simple. Your account automatically gives you the best reward for your situation — every month.
Each month you qualify, your rewards are credited automatically—cash back rewards go into your Rewards Deposit Account4, and dividends are added right into your checking—so your money keeps growing in the background, without any extra effort.
Do even more with your money
Spend, save, and simplify — all in one place.
Spend to Save: Enroll in the RoundUp Program and automatically save your spare change from every debit card purchase.
Mobile Wallet: Add your Debit Card to Apple Pay, Google Pay, or Samsung Pay for faster, safer payments6.
Global access: Bank confidently from anywhere in the world.
Better security. Smarter control.
Your account is protected with multi-layer encryption, customizable alerts, and federal insurance up to $250,000.
Plus, Visa’s Zero Liability4 policy covers unauthorized debit card transactions so you can spend with confidence.
Security you can count on
Your deposits are federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government.
At OAS FCU, your peace of mind matters as much as your rewards.
Every dollar you save is protected and working for you.
Make your everyday count.
Your money should work as hard as you do — without extra effort.
Start earning rewards today just by living your life.
Get paid early. Live freely.
Access your paycheck up to two days sooner with Early Direct Deposit — because life doesn’t wait for payday7.
Life has enough surprises.
Your Share Draft Rewards Checking Account shouldn’t be one of them. Protect your account with a built-in safety net that works quietly in the background — so you can move forward with confidence.
Mistakes happen. Fix them fast.
Need to cancel a check before it clears? Stop payments instantly on Online or Mobile Banking — no stress, no phone calls needed.
Deposit anywhere. Anytime.
Skip the line — just snap a picture and deposit checks securely from your phone. Safe, simple, and always on your schedule6.
FAQs
Use your Debit Card at least 15 times a month, set up a direct deposit, and enroll in eStatements3. That’s all — simple actions that earn you real rewards.
No. There’s no minimum deposit or balance requirement to open or earn APY1.
Each month you qualify, your cash-back earnings are automatically deposited into your Rewards Deposit Account4, a dedicated space where you can easily track the cash rewards you’ve earned.
Dividends from the high-yield reward, on the other hand, are deposited directly to your Share Draft Rewards Checking.
No. You can use it worldwide wherever Visa is accepted.
Yes. For your protection, you can withdraw up to $1,000 a day from ATMs. In addition, you can spend and/or make payments of up to $2,000 per day. If needed, you can request a temporary increase in either of those limits by sending us a secure message from within Online Banking.
Disclosures
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OAS FCU accounts are for members only. Annual Percentage Yield (APY) effective as of 04/01/2026; rates are variable and may change after the account is opened. Fees may reduce earnings. No minimum balance is required to open or earn the APY. The preferential dividend rate of 2.12 % APY applies only when your daily balance equals $6,000 and you meet all monthly qualification requirements. Balances above or below $6,000 earn the non-preferential rate of 0.05 % APY, even if qualifications are met. Dividends compound daily and are credited monthly. If the account is closed before dividends are credited, accrued dividends will not be paid. See the Truth-in-Savings Disclosure and Schedule of Fees for details.
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If you meet the qualification requirements and your daily balance is below $6,000, you will receive 1.5 % cash back on the first $600 of qualifying debit-card purchases each month (maximum $9). The cash back reward applies to PIN and signature-based purchases only. Cash-back amounts are credited monthly to a non-dividend-bearing Rewards Deposit Account.
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To meet the qualification requirements, each calendar month you must: (a) complete at least 15 Point-of-Sale (POS) debit-card purchases that post and clear to your account during that month; (b) receive at least one direct deposit (ACH) that posts and clears; and (c) be enrolled in eStatements. Automatic recurring debit payments do not count toward the purchase requirement. Transactions are counted based on the posting date, which is not necessarily the date on which they took place.
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Cash-back rewards are credited monthly to a separate, non-dividend-bearing Rewards Deposit Account established under your membership.
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No monthly maintenance fee applies. Other service fees may apply. See the Schedule of Fees.
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Mobile Banking, CardNav, and Mobile Deposit services are free from OAS FCU; however, your mobile carrier’s data and message rates may apply. Availability of mobile services may depend on your device and carrier network.
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Early access to direct deposits depends on your employer or payroll provider and is not guaranteed by OAS FCU.