Welcome to a Fresh Start

Enjoy 5.00%/5.20%* on Daily Balances Up to $10,000

You deserve a fresh financial start with Journey Checking! This account comes with the latest digital tools and an exceptional rate so you can both manage and grow your finances. Renew your commitment to growing your financial future at this great rate.
You’ll benefit from our collaborative approach, competitive rates and active commitment to making our community a better place. Join us today and find out all the ways that mutual means more!

Open In Branch  OPEN ONLINE

An Exceptional Rate

Journey Checking offers a competitive 5.00% / 5.20% APY* on daily balances up to $10,000, plus you’ll never have to pay a monthly service fee. Plus, you’ll have access to over 30,000 surcharge-free ATMs nationwide and there is no charge for money orders or bank checks.

Built with your convenience in mind, our checking accounts are designed around easily managing your money on the go with the latest tools and applications. You can track spending, pay bills, reimburse friends and transfer money through digital banking. Even better, you can receive transaction alerts, manage your credit and control your debit card and wallet from your phone for added security.


Community-Driven Banking

OlyFed accounts are developed to be good for you and our community, so when you debit, we donate! For every debit card transaction, OlyFed dedicates 2 cents to a local nonprofit. This has amounted to more than $150,000 for our community. This is just one example of the many community programs we offer.

OlyFed Community Programs

Choosing OlyFed is Easy

It’s super easy to switch to our free checking accounts! With just a few clicks of your mouse, you’re on your way to digitally transfer your direct deposits and automatic payments to your new OlyFed accounts.

Ask your OlyFed banker how to get the ClickSWITCH process rolling by contacting us or visiting any of our branch locations.

Questions? We’ve got answers. ENTER YOUR SWITCHTRACK CODE

Many Great Features

Account Features Journey Checking
Minimum Balance to Open
Minimum Balance to Open $100
Monthly Service Fee
Monthly Service Fee $0
Earns Interest*
Earns Interest*
Digital Banking**
Digital Banking**
Personal Finance Management
Personal Finance Management
Credit Monitoring & Reports
Credit Monitoring & Reports
Debit Card Control
Debit Card Control
Surcharge Free ATM w/ Visa Debit Card
Surcharge Free ATM w/ Visa Debit Card
Notary Service
Notary Service $0
Money Orders & Bank Checks
Money Orders & Bank Checks $0


Variable interest rate account. Rates effective December 1, 2023 and are subject to change any time and without notice.

• An interest rate of 0.05% will be paid only for that portion of your daily balance that is greater than $10,000.00. The annual percentage yield for this tier will range from 5.20% to 0.56%, depending on the balance in the account.

• If your daily balance is $10,000.00 or less, the interest rate paid on the entire balance will be 5.00% with an annual percentage yield of 5.20%*.

• If your account does not have the required activity noted below* an interest rate of 0.05% will be paid on the entire balance. The annual percentage yield for the entire balance will be 0.05%, depending on the balance in the account.

*Premium rate requires monthly direct deposit of $500 or more, debit card activation and 10 debit transactions posted per statement cycle, enrollment in retail online banking and signing up to receive eStatements, and maintaining active online banking access as outlined in the Online Banking Terms & Conditions Agreement. One account per Social Security Number. Minimum $100.00 to open an account. Fees may reduce earnings and rate may change after account opening.

** All accounts offer our full suite of digital banking services including Bill Pay, Digital Wallet, Transfers and more.


As a mutual bank, we’re accountable to you, our customers, not corporate shareholders. With our business model, you’re more than a customer, you’re a stakeholder, which means more for your wallet, for your future and for our community.

This translates to many low to no-cost product and service options. It means we’re focused on helping you get ahead with budgets, financial plans and accounts that provide safe, sustainable and meaningful ways to save.

When you bank with us, you can rest assured knowing you’re doing business with a bank that puts our local neighbors first. Each year, we donate anywhere from 10 to 15% of our profits back to the community, which totaled more than $460,000 last year! Furthermore, we foster a culture of volunteerism among our people, who happily contributed more than a thousand hours of service last year.

Go Mutual


If you look up OlyFedder in the urban dictionary you’ll find a description of our extraordinary group of financial professionals who find joy and purpose in the meaningful work we do with our customers and community. We’re here to help you.

The People The Stories Schedule A Personal Appointment