United Credit Union has several Personal Checking options for you to choose from. Each has it's own set of features and benefits. Short explanations of each follow along with a side-by-side comparison chart. If, after looking over all the information, you have more questions, please feel free to contact a friendly Member Service Representative either by e-mail or phone at 877.581.8651 with your questions.
Our Reward Checking is our newest checking product. With Reward Checking, you can earn a high yield on your checking balance without having to worry about minimum balance or per transaction fees. Reward Checking accounts are reviewed at the end of each month and, if all requirements are met, are paid a high yield on balances up to $25,000. Balances over $25,000 that meet the requirements still receive a great rate.
However, if the requirements are not met in a particular month, there is nothing to worry about! You will not be charged a fee, you will just earn a nominal interest rate for that month and then your account will be reviewed again at the end of the following month.
Here are the requirements:
In addition to the high interest you will be earning. Reward Checking members, who meet all requirements, will not be charged by UCU for ATM transactions. Plus, if you use a foreign machine (one other than a United Credit Union machine) and receive a surcharge from that financial institution, UCU will rebate up to $20 per month in surcharges, as long as requirements are met.
Reward Checking really is a win-win account. Call or come by today to open your Reward Checking! If you are already a UCU Checking Account Holder, just call a friendly Member Service Representative to get your account switched over to Reward Checking!
Simply Checking is our most basic checking account. It is a completely free account...simple as that. Account details include:
Checking Plus is the perfect checking for those that want to earn a little interest but don't necessarily feel comfortable with all the electronic service requirements of Reward Checking. There is no minimum balance fee, just a minimum balance required to earn interest. The interest earned is lower than Reward Checking but the only requirement is to maintain a $500 balance. Details include:
Second Chance Checking
Have you had trouble with a checking account in the past? Are you being refused checking services at other institutions? Well, UCU is here to help. Our Second Chance Checking is just that...your second chance at a checking account. For a low $10 monthly fee, we will still give you free on-line access, a free debit card and free bill pay. And, the best part, keep your account active and in good standing for six months and you can switch over to one of our other checking options...just like that.
*A Chex Systems report will be run for all new checking accounts. If you have a previous unpaid collection account with United Credit Union or have been reported for committing fraudulent activity, UCU will not allow a checking account to be opened.