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Freedom Checking – A basic checking account with full-service features and rewards. Get 24/7 account access with digital banking, Nationwide ATM surcharge rebates, and VantagePoints™ rewards.

Key Features and Benefits

Digital Banking

Debit Card with Nationwide ATM Surcharge Rebates

Free Checks

VantagePoints™ Rewards on your debit card purchases1

Account Details

  • Advantages Visa® Debit Card™ perks:
    • Nationwide ATM surcharge rebates – up to $4 per month
    • Mobile wallet capability with Apple Pay™, Google Pay, and Samsung Pay
    • Visa’s Personal Identity Theft Coverage2
  • Digital banking services, including Advantages Online™, Advantages Bill Pay™, the UECU Mobile Banking App, and mobile check deposit
  • Free checks – First set free
  • Direct deposit available
  • Overdraft protection available
  • Maintain a $50 minimum daily balance to avoid the $6 monthly fee (waived if under the age of 21)
  • CueItUp – Road map to financial strength

Ready to Get Started?
Call 800.288.6423 or Open Your Account with Advantages Online.

Download the UECU Mobile Banking App!



1 Advantages Visa® Debit Card™ holders earn 1 point for every $4 spent on Visa purchases. ATM cash transactions or cash advance transactions are not eligible to earn points. 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. For complete VantagePoints™ rules, click here. 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.