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Attention Mobile Users:
If you receive a text message that states your account/card has been
flagged, and asks you to call/text 866-246-2615 with your 16 digit ATM card number, please do not respond. This is a phishing scam. For tips on fraud prevention, click here.


Have questions? Need help? Call 800-288-6423
 

Rewards Checking & Rewards Checking PLUS

We have created two new Checking Accounts to provide you with additional benefits and greater convenience.  The Rewards Checking, an excellent option for those who want to keep things simple with no minimum balance requirements and the Rewards Checking PLUS, UECU’s enhanced interest-bearing account. Both Checking Accounts provide exceptional rewards, 24/7/365 account access, and free online and mobile banking options to help you manage your accounts when and where it’s convenient for you.

Have questions? Call 800-288-6423


Checking Account Features


Free Checking


Interest Checking

Interest-bearing Non-interest bearing Earns high-yield interest
Minimum balance or deposit required to avoid monthly fee No minimum balance
No monthly fee
$500 minimum daily balance or electronic deposits totaling $500 a month into the Checking Account (to avoid $10 monthly fee)
     
Minimum opening deposit $25 $25
Free Checks1 First set free First set free, plus one set per calendar year
Free Advantages Visa® Debit Card Yes

Yes

VantagePoints™ available with a Visa Debit Card2 (Choose E-Statements & Earn Double the Reward Points3) Yes

Yes

Nationwide ATM Access Yes

Yes

ATM Surcharge Rebates Up to $8 per month

Up to $12 per month

Fee Forgiveness4 No

Yes

Overdraft Protection Available Yes

Yes

24-Hour Account Access with Advantages Online™ & the UECU Mobile Banking App Yes

Yes

Mobile Check Deposit Yes

Yes

Convenient Mobile Pay Services with a Visa ® Debit Card™ and Apple Pay™ , Android Pay™, or Samsung Pay™ Yes

Yes

Free Online Bill Pay with eBills & Payment Reminders Yes

Yes

Personal Identity Theft Coverage with a Visa Debit Card 5 Yes

Yes

Direct Deposit Available Yes

Yes

.25% Off new term loans6 Yes

Yes

Have questions? Call 800-288-6423

For rates and disclosure information, click here.

  1. Check styles are limited.
  2. Earn 1 point for every $4 spent on signature‐based transactions. PIN‐based transactions do not earn VantagePoints™. Points are earned net of credits.
  3. Advantages Visa® Debit Card™ holders, who sign up for E‐Statements, earn 1 point for every $2 spent on signature‐based transactions. You must be enrolled in Advantages Online™ to sign up for E‐Statements.
  4. Rewards Checking PLUS account holders can waive one NSF fee, overdraft fee, or minimum balance fee per calendar year. Fee Forgiveness must be requested by the account holder, it is not automatic.
  5. When you activate your Advantages Visa Debit Card™ you automatically receive Personal Identity Theft Coverage (at no cost to you), up to $2,500.00, to pay for expenses you may incur as a result of a Covered Stolen Identity Event. Identity Theft Coverage provided by Indemnity Insurance Co. of North America. Certain limits and restrictions apply.
  6. An active UECU Checking Account provides a rate reduction of .25% APR that can be used on new term loans only. Rate reduction cannot be used on Visa Power Card™, Home Equity Loans, Mortgages, or Lines of Credit.                                                        

This credit union is federally insured by the National Credit Union Administration. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.