Personal Finance Manager

 

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Personal Finance Manager

 

Demo | More InformationRegister

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.


Kasasa is here! That’s free checking plus rewards. As in, extra cash every month. For you.

Effective December 1, 2014, rewardU checking will be renamed Kasasa Cash, rewardU saver will be renamed Kasasa Saver and Tunes+ Checking will be renamed Kasasa Tunes.

How about getting rewarded for doing things you’re probably already doing? We offer two free Kasasa checking accounts that put your hard-earned money back where it belongs – in your pocket. So go on, pick the one that sounds like it’ll rock your world the most!

• Free Kasasa Cash® checking – Really high dividends*
• Free Kasasa Tunes® checking – Refunds on iTunes® and Amazon.com® purchases*

Need us to sweeten the deal a bit more? Both of these accounts refund your ATM fees nationwide.* Plus, you can link your Kasasa Cash checking account to Kasasa Saver® to build up savings automatically!


Get monthly cash rewards with free Kasasa Cash® checking

Does earning a little extra cash each month sound appealing? Choose free checking that pays really high dividends. Kasasa Cash lets you earn up to 3.01% APY* on balances up to $10,000. Plus, we’ll refund your ATM fees nationwide.* So no more running around looking for ‘your’ ATM – use any of them!

Link your free Kasasa Cash checking account to Kasasa Saver®, and your rewards become automatic savings. Just like that. No monthly service fees - no joke.

• 3.01% APY* on balances up to $10,000
• 3.01% to 0.50% APY on balances over $10,000 depending on balance in account*
• 0.05% APY* on all balances if qualifications aren't met
• ATM fee refunds nationwide (up to $25 monthly)*
• Can link to high-dividends Kasasa Saver account
• No minimum balance to earn rewards
• No monthly service fee
• Free online banking
• Free e-statements
• Free Visa® debit card
• Unlimited check writing
• No minimum deposit to open

Earning rewards is cake.

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

• Have at least 12 debit card purchases post and settle
• Be enrolled and receive e-statement notice
• Be enrolled and and access home banking
• Have at least 1 bill pay transaction or 1 automatic payment (ACH) post and settle

And, that’s it! Don’t sweat it if you don’t qualify one month. Your account will still earn 0.05% APY* - and it’s still free. Plus, you can get right back to earning a higher rate the very next qualification cycle!

Qualifications Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by University Credit Union as ATM transactions and purchases made with non-University Credit Union issued debit cards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s):
• Kasasa Cash: (1) Balances up to $10,000 receive APY* of 3.01%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 3.01% to 0.50% APY depending on the account’s balance and
• Kasasa Saver: (2) Balances up to $15,000 receive APY of 1.01% and balances over $15,000 earn 0.25% interest rate on the portion of balance over $15,000, resulting in a range from 1.01% to 0.35% APY depending on the account’s balance.
• ATM Fee Reimbursements: You will receive reimbursements up to $25 ($5.00 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM fees of $5.00 or higher.
When Kasasa Cash qualifications are not met ATM fees are not refunded and all balances in your Kasasa Cash account and in your Kasasa Saver account earn 0.05% APY* and 0.05% APY, respectfully, and the interest earned in your Kasasa Cash account is automatically transferred to your Kasasa Saver account. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of Statement Cycle and then automatically transferred to your Kasasa Saver account on the following day.
* When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Consequently, when linked to Kasasa Saver, and your Kasasa Cash qualifications are met, balances up to $10,000 in your Kasasa Cash account receive a non-compounding APY of 3.01%; and balances over $10,000 earn 0.25% interest rate on the portion of the balance over $10,000, resulting in a non-compounding range from 3.01% to 0.50% APY depending on the account’s balance. When your Kasasa Cash qualifications are not met, all balances in the Kasasa Cash account earn a non-compounding APY of 0.05%. The Kasasa Saver APYs may be less than the Kasasa Cash APYs. APY = Annual Percentage Yield. APYs accurate as of 12/01/2014. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Rewards may vary by account. No minimum deposit is required to open the account. Monthly ACH credit, enrollment in online banking, receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit one Kasasa Cash and one Kasasa Saver per prime member and per primary account. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact a University Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.


Kasasa Saver

Put your savings on autopilot with Free Kasasa Saver®

Kasasa Saver links with your free Kasasa Cash® checking account to build up savings automatically. Your checking rewards* and ATM fee refunds* become savings each month - and you never even have to think about it. Plus, Kasasa Saver earns high dividends - 1.01% APY* on balances up to $15,000! So your money isn’t just sitting there month after month. It’s growing!

• Linked to free Kasasa Cash account
• Automatic transfers of Kasasa Cash rewards
• 1.01% APY* on balances up to $15,000
• 1.01% to 0.35%% APY on balances over $15,000 depending on balance in account*
• 0.05% APY* if qualifications are not met in your Kasasa&; checking account
• No monthly service fee
• No minimum balance to earn rewards
• Free online banking
• Free e-statements
• No minimum deposit to open

Here’s the lowdown on how to earn rewards:

To earn a higher Kasasa Saver rate, simply do the following activities and transactions in your Kasasa Cash checking account each monthly qualification cycle:

• Have at least 12 debit card purchases post and settle
• Be enrolled and receive e-statement notice
• Be enrolled and and access home banking
• Have at least 1 bill pay transaction or 1 automatic payment (ACH) post and settle

See? Simple. But if you don’t qualify in your Kasasa Cash checking account one month, no sweat. There’s no fee, and you can get right back to earning your rewards the very next month!


Qualifications Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by University Credit Union as ATM transactions and purchases made with non-University Credit Union issued debit cards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s):
• Kasasa Cash: (1) Balances up to $10,000 receive APY* of 3.01%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 3.01% to 0.50% APY depending on the account’s balance and
• Kasasa Saver: (2) Balances up to $15,000 receive APY of 1.01% and balances over $15,000 earn 0.25% interest rate on the portion of balance over $15,000, resulting in a range from 1.01% to 0.35% APY depending on the account’s balance.
• ATM Fee Reimbursements: You will receive reimbursements up to $25 ($5.00 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM fees of $5.00 or higher.
When Kasasa Cash qualifications are not met ATM fees are not refunded and all balances in your Kasasa Cash account and in your Kasasa Saver account earn 0.05% APY* and 0.05% APY, respectfully, and the interest earned in your Kasasa Cash account is automatically transferred to your Kasasa Saver account. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of Statement Cycle and then automatically transferred to your Kasasa Saver account on the following day. * When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Consequently, when linked to Kasasa Saver, and your Kasasa Cash qualifications are met, balances up to $10,000 in your Kasasa Cash account receive a non-compounding APY of 3.01%; and balances over $10,000 earn 0.25% interest rate on the portion of the balance over $10,000, resulting in a non-compounding range from 3.01% to 0.50% APY depending on the account’s balance. When your Kasasa Cash qualifications are not met, all balances in the Kasasa Cash account earn a non-compounding APY of 0.05%. The Kasasa Saver APYs may be less than the Kasasa Cash APYs. APY = Annual Percentage Yield. APYs accurate as of 12/01/2014. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Rewards may vary by account. No minimum deposit is required to open the account. Monthly ACH credit, enrollment in online banking, receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit one Kasasa Cash and one Kasasa Saver per prime member and per primary account. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact a University Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.


Kasasa Tunes®

Rock your rewards with free Kasasa Tunes® checking

With free Kasasa Tunes checking, you’ll earn refunds on iTunes® or Amazon.com® purchases!* Get up to $10 back on purchases each month - and $25 worth up front, just for signing up.

Want more good news? We’ll also refund your ATM fees nationwide.* That means any ATM can be your ATM! It’s Kasasa® free checking that rewards you with stuff you deserve.

• Earn up to $10 every month in iTunes or Amazon.com refunds*
• Earn $25 in iTunes or Amazon.com refunds at signup*
• ATM fee refunds nationwide (up to $25 monthly)*
• No monthly service fee
• No minimum balance to earn rewards
• Free online banking
• Free e-statements
• Free Visa® debit card
• Unlimited check writing
• No minimum deposit to open

Earning rewards is a snap.

To earn your rewards, simply do the following activities and transactions in your Kasasa Tunes account each monthly qualification cycle:

• Have at least 18 debit card purchases post and settle
• Be enrolled and receive e-statement notice
• Be enrolled and and access home banking

How simple is that?! And, even if you don’t qualify for rewards, your account is still free. Plus, you can get right back to earning your rewards the very next month!

Sign Up Bonus: When you open and fund your Kasasa Tunes account, you will be refunded up to an aggregate total of $25 (which includes any applicable taxes) for iTunes and Amazon.com purchases, made with your University Credit Union Kasasa Tunes debit card that post and settle to your account during the first 30 calendar days after your account is opened. This refund will be credited to your account on the last day of the Statement Cycle in which your aggregate iTunes and Amazon.com purchase threshold of $25 posts and settles to your account. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. No minimum deposit is required to open the account. No minimum balance is required to obtain this bonus.

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by University Credit Union as ATM transactions and purchases made with non-University Credit Union issued debit cards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Reward Information: When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: you will earn up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com purchases. In order to be refunded, iTunes and Amazon.com purchases must be made with your University Credit Union Kasasa Tunes debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends. In addition, you will receive reimbursements up to $25 ($5.00 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Tunes qualifications are not met, iTunes and Amazon.com purchases and ATM fees are not refunded. iTunes and Amazon.com refunds and ATM fee reimbursements will be credited to your account on the last day of the statement cycle in which these purchases post and settle to your account and the ATM fees were incurred.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly ACH credit, enrollment in online banking, receipt of electronic statements are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit one Kasasa Tunes per prime member and per primary account. Contact a University Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. iTunes is a registered trademark of Apple, Inc. Amazon is a registered trademark of Amazon.com. Apple Inc. and Amazon.com are not participants in or sponsors of this program. Kasasa & Kasasa Tunes are trademarks of BancVue, Ltd., registered in the U.S.A.
 

 



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 Personal Finance Manager
  • FREE Access to Mobile Finance Manager*
  • FREE Bill-Payer
  • FREE eStatements
  • FREE Unlimited check imaging
  • FREE Teller-Phone
  • Optional overdraft protection

*Wireless carrier charges may apply. Contact your carrier for details.


free4ME Checking

This account is for young adults from 18-25 years of age and offers all the great features and benefits of our Custom Checking with some added perks designed specifically for young adults.

Click here for more information about the Young & Free Maine program.

  • FREE access to Personal Finance Manager*
  • FREE access to Mobile Finance Manager**
  • FREE eStatements*
  • FREE Visa Check Card*
  • FREE Oops! Pass (for life's little mistakes, twice per year, requested by you, the member)

* These products are requirements of the account unless ineligible ** Wireless carrier charges may apply. Contact your carrier for details.


Premier Checking

Premier Checking delivers more value to you 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.


Instant Issue Debit Cards

UCU offers debit card instant issue! You will have your debit card in less than a week (card processing may take 0-3 days depending on branch).


 

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Click here to learn about the eServices available with these accounts!