Checking Account

Free Advantage Checking Account

The OMEGA FCU Advantage Free Checking account couldn’t be more affordable. It’s 100% free and has no minimum balance requirement! This account is designed for members who do not want the worry of maintaining monthly balances or paying a monthly fee or service charge on their checking account. Experience our free, no-hassle account that provides a convenient selection of services all at no cost to you. It’s what free checking is all about!

Free Advantage Checking Features:

  • No monthly fee or account maintenance service charge
  • No minimum balance
  • Unlimited check writing
  • Free online banking
  • Free online bill payment
  • Free E-statements
  • Free MOH Phone Banking System
  • No per check fees
  • Overdraft Protection Programs

Check Order

You can order checks for your OMEGA FCU Advantage checking account in two easy ways.

If you are an Online Banking member, sign in to OMEGA@Home online banking and click the “Other Services” tab. Then click on Check Reorder under the Member Requests heading and you can choose from a wide variety of check styles.

Or, if you do not have Online Banking, you can simply click on the Deluxe logo on the home page to order checks directly from Deluxe. You will need to enter OMEGA’s routing number (243 083 347), your checking account number and other personal information.

Please note that by clicking this link, you will leave OMEGA’s website, and will be redirected to The Deluxe website, where you will order your checks directly from Deluxe.

If you have any questions regarding check ordering, please call us at 1-800-496-8728.

Debit Card

OMEGA FCU Debit Card

Use your OMEGA FCU Debit Card to pay for goods and services wherever the MasterCard logo is displayed. The OMEGA Debit Card is accepted at stores, online, and over the phone. You can also access your money surcharge-free at PNC Bank or CU$ ATMs. At ATMs, you can use your Debit Card to make deposits, withdrawals, transfers and check balances.

Additional benefits of your OMEGA FCU Debit Card:

  • Easy to use – more readily accepted than checks (especially out of state or in another country).
  • Great for travel – No need to carry large amounts of cash.
  • No monthly Point-of-Sale transaction fees.
  • Complete transaction record with your combined monthly statement.
  • Option to select your own ATM PIN (Personal Identification Number).

Overdraft Protection

We’re human. We make mistakes. At one time or another, we’ve all miscalculated how much money we have in our checking account. At OMEGA FCU, we offer Overdraft Protection that can help you when life gets in the way.

If you have the money in your savings account, we’ll transfer it to your checking to cover the incoming transaction for a fee of $5.00. This is the first line of attack to cover an incoming item. If the funds are not available, Overdraft Privilege is the next step.

Overdraft Privilege

Overdraft Privilege provides a cushion that may permit you to overdraft your account up to a specified limit assigned by OMEGA FCU. This will eliminate the extra expense and embarrassment of having a check returned.

Overdraft Privilege is a non-contractual program that requires no action on your part. You do not have to sign any agreements or other paperwork and this program will be extended to you as long as you are able to keep your account in good standing. Each transaction that we honor will be applied an overdraft fee. This fee is less than the normal insufficient fund fee and you will avoid the hassle of a returned check to deal with, plus a possible additional fee from the merchant returning the item. We’ll then send you notification each time your account is overdrawn, and you will also receive periodic reminders if your account is not returned to good standing.

Please note that you must opt-in to overdraft privilege coverage for ATM withdrawals and for single debit card transactions. To opt-in for this additional coverage, call us at 412-369-3800 or click here.

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