1 Current Oakland University (OU) students who are enrolled in the 2026-2027 academic year and open a Oakland University Credit Union (OU Credit Union) checking account with a Visa® Debit Card between 6/1/26 and 10/31/26 and complete at least 10 qualifying debit card purchase  transactions within 30 days of account opening will receive a $50 bonus deposited into their Grizzly Saver account. Not valid for members with current or previously closed checking accounts. This offer cannot be combined with other checking account offers. Qualifying purchase transactions include point-of-sale purchases using a physical debit card or a digital wallet linked to the debit card. ATM transactions, transfers, refunds, credits, and person-to-person (P2P) payments are not eligible. Transactions must post to the account within 30 days of account opening to qualify. The $50 bonus will be deposited into the member’s Grizzly Saver account within 4 weeks after the qualifying 10th debit card purchase transaction is completed. Bonus may be taxable and reported on an IRS Form 1099-INT or 1099-MISC.

2 Membership and Account Agreement | Electronic Funds Transfer and Payment Services Agreement and Disclosure | Truth in Savings and Funds Availability Disclosure | Privacy Notice

Must have an active checking account to be eligible for a Savings Builder account. The Savings Builder is a tiered rate account which pays a different dividend rate on the amount of funds in each tier. Each dividend rate will apply only to the portion of the account balance within each balance range tier and not the entire account balance. For example, if you had a daily balance of $3,000 in your Savings Builder, you would earn the Tier 1 rate on the first $999.99, the Tier 2 rate on dollars $1,000 through $1,999.99, and the Tier 3 rate on dollars $2,000 through $3,000. No minimum balance required to open a Savings Builder account or to earn dividends. Limit one Savings Builder account per account. Youth accounts, business accounts, Individual Retirement Accounts (IRA), and Health Savings Accounts (HSA) are not eligible for a Savings Builder account. Fees may reduce earnings.

3 Platinum Plus Visa Cash Back Rewards Disclosure | Membership Account and Account Application | DocuSign Disclosure | Visa Gift Card Disclosure | Merchant Surcharge Fees | Application and Solicitation Disclosure | Account Agreement and Disclosure | Auto Rental Collision Damage Waiver | USA PATRIOT Act | Reloadable Visa Debit Card | Roadside Dispatch Disclosure | Credit Card Agreement and Disclosure

$50 Welcome Bonus Offer:
You will receive $50 once you spend $1,000 on net purchases within the first 90 days after OU Credit Union Platinum Plus Visa Credit Card approval. Purchases must post to your account within the first 90 days. Once you qualify for this bonus, we will apply it to your Platinum Plus Visa card cash back balance within 45 days. Qualifying purchases exclude tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Returns or other reversals of purchases conducted within the first 90 days will be excluded. Account must be in good standing to receive $50. Account is not in good standing if closed or suspended. If the account is closed by either you or by the Credit Union for any reason prior to the $50 bonus being credited to your card, the bonus will be considered to have been forfeited. This one-time $50 offer is valid for new, first-time OU Credit Union Platinum Plus Visa Credit cardholders only. This offer may be canceled at any time without notice.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Members will earn 1% cash back on all purchases. Cash back is not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem cash back. Returns result in the loss of cash back equal to the amount returned. Negative cash back will be given if returns or credits exceed purchases.

APR is annual percentage rate, and is stated for qualified members having high credit scores. Actual rates may be higher and will be determined by member's credit score.

Terms and Conditions

Apple Pay
Apple, iPhone, and iSight are registered trademarks of Apple Inc. Apple Pay, Apple Watch, and Touch ID are trademarks of Apple Inc.

Google Pay
Google Play and the Google Play logo are trademarks of Google LLC.

Visa Tap to Pay
The Visa Tap to Pay icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of Visa Tap to Pay. Visa Tap to Pay® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The Visa Tap to Pay trademark is owned by EMVCo, LLC.