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Free Checking with No Minimum Balance

UECU's Reward Checking logoAre you looking for a hassle-free checking account with no minimum balance requirements? UECU’s Rewards Checking Account makes managing your finances simple – avoid monthly service fees, earn reward points on your daily purchases, and enjoy the convenience of anytime banking.    

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Rewards Checking Account Features:
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  • No minimum balance requirements
  • No monthly service fees
  • Low initial deposit of $25
  • Direct Deposit available
  • Free Checks – first set of checks is free1
  • Free Advantages Visa® Debit Card™ with Personal Identity Theft Coverage2
  • Nationwide ATM Surcharge Rebates – Up to $8 per month
  • Overdraft Protection available
  • 24-Hour Account Access with Advantages Online& the UECU Mobile Banking App
  • Mobile Check Deposit
  • Convenient Mobile Pay Services with a UECU Debit Card and Apple Pay™, Android Pay™, or Samsung Pay
  • Free Online Bill Pay with eBills and Payment Reminders
  • .25% off new term loans3
  • Rewards – Earn 1 VantagePoint for every $4 Spent4 with your Advantages Visa® Debit Card™. Choose E-Statements for your UECU account and earn DOUBLE the reward points on your purchases.5 Points can be redeemed for cash-back, loan rate discounts6, and gift cards at many national retailers.
Surcharge-Free ATM Network
The following link is provided for
UECU Advantages Visa® Debit Card™ Holders.


1. Check styles are limited.
2. 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.
3. An active UECU Checking Account (at least one transaction per month) 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.
4. Earn 1 point for every $4 spent on signature‐based transactions. PIN‐based transactions do not earn VantagePoints™. Points are earned net of credits.
5. Advantages Visa® Debit Card™ holders, who sign up for EStatements, earn 1 point for every $2 spent on signature‐based transactions. You must be enrolled in Advantages Online™ to sign up for EStatements.
Rate reduction can be used on a new loan only. Rate reduction cannot be used on Visa Power Card™, Home Equity Loans, Mortgages or Lines of Credit. Maximum loan principal limit of $100,000 when redeeming a VantagePoints™ rate reduction.

View the Truth and Savings Disclosure