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Call 800.288.6423 or Open Your Account with Advantages Online™.

Rewards Checking PLUS – Earn Up to 0.60% APY* and Enjoy Extra Rebates

Are you looking for an interest-bearing account with extra perks? UECU’s Rewards Checking PLUS Account will help you save money, earn rewards, and conveniently manage your finances anytime, anywhere. Plus, you’ll receive extra benefits like Fee Forgiveness and higher ATM surcharge rebates.

Account Features

  • High Dividend Earnings – Current rate up to 0.60% APY*
  • Low initial deposit of $25
  • $500 minimum daily balance or electronic deposits totaling $500 a month into the Checking Account required to avoid $10 monthly fee
  • Fee Forgiveness – One NSF fee, Overdraft Transfer fee, or Minimum Balance fee waived per year1
  • Account access anytime, anywhere with Advantages Online™ and the UECU Mobile Banking App
  • Free Online Bill Pay with eBills and payment reminders
  • Free Checks – first set of checks is free, plus one set per calendar year2
  • Mobile Check Deposit
  • Direct Deposit available
  • Overdraft Protection available
  • .25% off new term loans3

Debit Card Perks  

  • Free Advantages Visa® Debit Card
  • VantagePoints™ Rewards – Earn 1 point for every $4 you spend.4 Choose E-Statements for your UECU Account and earn double the reward points.Redeem your points for cash back, loan rate discounts, and premium gift cards.6
  • Nationwide ATM surcharge rebates – Up to $12 per month
  • Mobile wallet capability with Apple Pay™, Google Pay, and Samsung Pay
  • Personal Identity Theft Coverage7
  • 24/7 fraud monitoring
  • Card Controls
  • Visa Purchase Alerts
  • Visa Click to Pay

Account BalanceNominal Dividend RateAPY*
$0.01 – $9,999.990.40%0.40%
$10,000 – $49,999.990.50%0.50%
$50,000 and over0.60%0.60%
Ready to Get Started?
Call 800.288.6423 or Open Your Account with Advantages Online™.

*APY=Annual Percentage Yield.

Dividend rate and Annual Percentage Yield (APY) are stated as of 4/1/2021.

  1. 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.
  2. First free set limited to one style. Free set per calendar year limited to a basic style in a choice of three colors.
  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 Visa purchases. ATM cash transactions or cash advance transactions are not eligible to earn points. 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 Visa purchases. ATM cash transactions or cash advance transactions are not eligible to earn points. You must be enrolled in Advantages Online™ to sign up for EStatements.
  6. Rate reduction can be used on a new loan only. Rate reduction cannot be used on VisaPower Card™, Home Equity Loans, Mortgages or Lines of Credit. Maximum loan principal limit of $100,000 when redeeming a VantagePoints™ rate reduction.
  7. 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.