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Checking Accounts

Wouldn't it be great to have more time to actually enjoy your money instead of watching over your checkbook? With UCU's checking accounts, you choose the best option to manage your day-to-day finances.


Tunes+ Checking

Plug into UCU's Tunes+ Checking account! Click here to learn more!

Earn iTunes and Amazon.com download credits*, as well as up to $25 in ATM fee refunds nationwide**, monthly when qualifications are met within the qualifcation cycle!*

Simply meet the qualifications below to earn the Tunes+ checking rewards:

  • Have at least 18 point-of-sale debit card purchases post and clear to your account,
  • Access online banking,
  • Receive eStatements,

If you miss a month, don't worry, you still get a great free checking account!

Click here for full terms and conditions.


*No minimum balance required to open account. Earn $25 in iTunes® and Amazon® download refunds with initial account opening regardless of qualifications. Earn up to $10 in iTunes and Amazon download refunds each cycle the minimum qualifications are met. Downloads must be purchased with your debit card associated with your Tunes+ checking account. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account. iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple, Inc. and Amazon Inc. are not participants in or met during the monthly qualification cycle. **Tunes+ Checking ATM fee refunds up to $25 are provided only if qualifications are met within qualification cycle.

rewardU® checking

rewardU checking offers UCU members an outstanding yield, convenient electronic access plus ATM fee refunds nationwide** and all with no monthly fee and no minimum balance.

  • FREE ATM / VISA Check Card
  • FREE First order of checks with direct deposit
  • FREE Access to Home Banking
  • FREE Bill-Payer
  • FREE Electronic Statements
  • FREE Unlimited check imaging
  • FREE Teller-Phone
  • Optional overdraft protection

Simply meet the qualifications each qualification cycle with:

  • 12 Visa debit card purchases posting to your account
  • 1 direct deposit or ACH transaction posting to your account
  • Monthly electronic statements
  • Home Banking Activity

and the rewards are yours!
Click here for more information.

Click here for full terms and conditions.

**Up to $25 per month when qualifications are met.

Now available: rewardU® saver!

Save more with rewardU saver! Simply meet the qualifications in your rewardU checking account each qualification cycle by:

  • Having 12 Visa debit card purchases post and clear to your account,
  • Having 1 direct deposit or ACH transaction post and clear to your account
  • Receiving eStatements
  • and logging on to Home Banking, and the rewards are yours!

    Click here for full terms and conditions of rewardU saver.

*Annual Percentage Yield (APY) accurate as of 7/1/2011. No minimum balance required to open rewardU checking or rewardU saver. The APY assumes that rewardU checking interest is not compounded when linked to rewardU saver, because the interest is automatically transferred to rewardU saver at the end of the qualification cycle. The interest from rewardU checking transfers to rewardU saver, whether the qualifications are met or not. Rates may change after the account is opened. Fees may reduce earnings. Debit card transactions must be point of sale transactions and post to your account within the qualification cycle to qualify. Transactions may take one or more business days to post and clear an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. **rewardU checking ATM fee refunds up to $25 are provided only if qualifications are met within qualification cycle.


Custom Checking
Custom Checking offers impressive features to help you manage your money conveniently. Best of all there's no minimum balance and no monthly service charge!

  • FREE ATM / VISA Check Card
  • FREE First order of checks with direct deposit
  • FREE Access to Home Banking
  • FREE Bill-Payer
  • FREE Electronic Statements
  • FREE Unlimited check imaging
  • FREE Teller-Phone
  • Optional overdraft protection

free4ME Checking

This account for young adults ages 18-25 offers all the great features and benefits of our Custom Checking with some added benefits especially designed for young adults.

  • $10 iTunes gift card at account opening
  • FREE Home Banking*
  • FREE eStatements*
  • FREE Visa Check Card*
  • FREE Oops! Pass (for life's little mistakes, twice per year)

* These products are requirements of the account unless ineligible


Premier Checking

Premier Checking delivers more value by offering all the features of Custom Checking, with the benefit of earning dividends. All you have to do is maintain a minimum balance of $10,000.

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