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Compare Checking Account Features

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 Checks First set free First set free, plus one set per calendar year1
Free Advantages Visa® Debit Card Yes Yes
VantagePoints™ available with a Visa Debit Card2 (Choose E-Statements & Earn Extra 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™ , Google 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 

1. First free set is limited to one style. Free set per calendar year is limited to a basic style in a choice of three colors. 2. Earn 1 point for every $4 spent on Visa purchases. ATM cash transactions or cash advance transactions are not eligible to earn points. 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 Visa purchases. 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.