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Checking Plus

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:

  • $500 Minimum Balance to earn interest
  • No Monthly Fee
  • Free CU Bill Payer
  • Free on-line account access, United@Home
  • Free Debit or ATM Card
  • Choice of Electronic or Paper Statement
  • Free ATM transactions at UCU machines and 5 Free Foreign Transactions
  • Direct Deposit is NOT required
  • Free Checks with Direct Deposit (Limit one box per year)

Compare interest rates for Reward Checking and Checking Plus below!

Checking Accounts
Effective Date: Tuesday, September 17th, 2019
Average Daily BalanceDividend RateAPY*
Reward Checking
$0 - $25,000 1.24% 1.25%
Over $25,000 0.15% 0.15%
Requirements Not Met 0.10% 0.10%
Initial deposit of $50 required to open Reward Checking. No minimum balance required to maintain.
Checking Plus
$0 - $10,000 0.10% 0.10%
Over $10,000 0.10% 0.10%
Personal Checking Plus - No interest if balance drops below $500.
Business Checking Plus - No interest if balance drops below $1000.
*APY = Annual Percentage Yield.

*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. See our checking chart to compare all of United Credit Union's checking options.

Equal Housing Lender National Credit Union Administration