- This account establishes you as a      member of O&R Utilities Employees Federal Credit Union. 
- Members are required to keep a      minimum balance of $5.00 at all times. 
- Free debit/ATM card with access to over 55,000 surcharge free ATM’s.
               
                  - Hundreds of ATM locations in Orange, Rockland, Bergen and Ulster Counties as well as Nation-wide!
 
- Direct deposit available
- Free Home Banking.
- Free eStatements.
- Can be used as overdraft protection for share draft checking      account.
    All accounts federally insured up      to $250,000.