Young family in living room

Personal Checking

Looking for a checking account in the Oklahoma City metro? USE Federal Credit Union offers personal checking options designed for different needs, from cash back and high-yield rewards to straightforward free checking and student accounts. Explore our checking options and find the account that fits the way you manage your money.

Which checking account is right for you?

Advantage Checking
For individuals who maintain a high checking balance and want to earn 5.00% APY on balances up to $5,000.

Cash advantage checking
Best for people who use their debit card regularly and want 5% cash back on qualifying purchases.

Free Checking
For those who want straightforward checking with no monthly maintenance fee.




Student CHECKING Account
Best for teens & young adults ages 13–20 looking for a checking account designed for students.

Fresh Start Checking
Intended for those who have had past difficulty establishing a checking account.