Bank with Pride & Purpose
We’re excited to offer our Affinity Debit Cards, a new way for you to wear your school pride and support local student activities and scholarships that mean the most to you. As a mutual bank, we’re not only about serving our customers; we’re also dedicated to uplifting our communities. That’s why we designed the Affinity Debit Card program to make a positive impact right here at home.
Switching to OlyFed is easy with our free checking accounts and digital tools to securely transfer any direct deposits or automatic payments.
Already an OlyFed customer? Stop by a branch or give us a call to switch your card.
CHOOSE YOUR CARD FREE ACCOUNTS TECH TOOLS CARD CONTROLS ROUNDUP MAKE THE EASY SWITCH OPEN A CHECKING ACCOUNT Visit a Branch
Free Checking Never Felt So Good!
We’ve designed our free checking accounts to give you the tools, resources and insights to help, not hinder your busy life. Our accounts are built with the technology to deliver a better banking experience so you can easily manage your money on the go.
Journey Checking
Journey Checking offers a competitive 4.00% / 4.13% APY* on daily balances up to $10,000, plus you’ll never have to pay a monthly service fee. Open today with as little as $100!
lyfe Checking
For young people through age 18**, our lyfe Account gives you unique debit card options and an app that makes banking easy. Even better, lyfe delivers 4.00% / 4.13% APY** on daily balances up to $1,000 with no monthly service fee. Open today with as little as $50!
ONLINE LYFE ACCOUNT OPENING DISCLOSURE
A parent and/or legal guardian is required to open a lyfe Account online and in-branch. When opening an account online, the parent/guardian will be a joint owner and will receive an email asking them to also complete an application. The joint owner will also be given the opportunity to help fund the account on behalf of the student/child if so desired.
Top-Notch Technology
Our debit card chip technology offers added protection and peace of mind with every purchase. 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.
With our OlyFed Mobile app, you can do it all without doing it in person: transfer money, deposit checks, pay bills in an instant, and much more.
Apple Devices
Android Devices
Card Control
Card controls are seamlessly integrated into your OlyFed Banking App, bringing all your account and card details together in one easy-to-use place. Monitor card activity with confidence and protect your cards against fraud, wherever you go.
Turn Cards ON/OFF
Easily turn your debit card on/off for extra security if it’s lost or stolen.
Set Spending Controls
Manage how, when and where your card is used.
Get Real-Time Alerts
Stay informed and view suspicious activity with instant alerts.
Report Lost or Stolen
In just a couple clicks, you can report a card lost or stolen, add notes about the incident and disable your card.
Set Travel Notifications
Notify us of your travel plans right in the app to ensure your card works seamlessly while you’re away.
View Transaction Insights
See a map of payments with vendor details to better understand your spending.
Grow Your Savings with RoundUp
Let your everyday purchases give your savings a boost!
With RoundUp, every time you use your debit card, your total will round up to the nearest dollar and the change will be deposited into your designated savings account.
Example: You buy a gift for $22.42 at a local shop. We’ll round up to $23 and drop the extra $0.58 into your chosen savings account.
Whether you’re grabbing dinner with friends, purchasing new clothes, buying gas, getting coffee, doing some online retail therapy or catching a movie; OlyFed’s RoundUp makes savings a regular part of your daily routines.
Make the Easy Switch
We’ve taken the hassle out of switching to OlyFed!
Switching your checking account is easier than ever. With just a few clicks in digital banking, you can quickly and securely move your direct deposits and automatic payments to OlyFed.
*JOURNEY CHECKING DISCLOSURE
Variable interest rate account. Rates effective as of July 3, 2025, 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 4.13% to 0.46%, 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 4.00% with an annual percentage yield of 4.13%*.
- 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, and signing up to receive eStatements. One account per Social Security Number. Minimum $100.00 to open an account. Fees may reduce earnings, and rate may change after account opening.
**LYFE CHECKING DISCLOSURE
Account is for customers aged 12 to 18 and converts to a Journey Checking Account at age 19. This is a variable interest rate account. Rates are effective as of September 8, 2025, and are subject to change at any time and without notice.
- An interest rate of 0.15% will be paid only for that portion of your daily balance that is greater than $1,000.00. The annual percentage yield for this tier will range from 4.13% to 0.19%, depending on the balance in the account.
- If your daily balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.00% with an annual percentage yield of 4.13%*.
- If your account does not have the required activity noted below* an interest rate of 0.15% will be paid on the entire balance. The annual percentage yield for the entire balance will be 0.15%, depending on the balance in the account.
*Premium rate requires monthly direct deposit or transfer of $10 or more and signing up to receive eStatements. One account per Social Security Number. Minimum $50.00 to open an account. Fees may reduce earnings, and the rate may change after account opening. Terms and conditions apply.
