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High Yield Checking

Get free checking that pays really high rates. Our free Cash Checking account pays you to bank with us — instead of the other way around.
  • Free checking that pays high dividends
    • 2.00% APY* on balances up to $10,000
    • 2.00% to 0.41% APY on balances over $10,000 depending on balance in account*
    • 0.05% APY* if qualifications aren't met
*To earn dividends you must complete 12 debit card transactions each month and be enrolled in online banking and eStatements. $5 minimum deposit to open. Refunds on ATM withdrawal fees, nationwide (up to $20 monthly). Read More... APY=Annual Percentage Yield. APYs accurate as of 1/1/2016. Rates may change after account is opened. For High Yield Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 per month and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.00%; and (3) balances over $10,000 earn 0.25% interest rate on the portion of the balance over $10,000, resulting in 2.00% - 0.41 % APY depending on the balance. If qualifications are not met on High Yield Checking all balances earn 0.05% APY. Qualifying transactions must post to and settle in High Yield Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised High Yield Checking APY is based on compounding interest. Actual interest amount paid may be less than advertised High Yield Checking APY. We reserve the right to convert your High Yield Checking account to a Basic Checking account if the account does not meet the monthly qualification criteria over three (3) consecutive statement cycles. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
 

Cash Back Checking

Get cash back every time you use your debit card. To qualify, simply make at least 12 purchases using your UECU debit card, sign up for eStatements, and check your account online each monthly qualification cycle.
  • Free checking that pays you back
  • 2.00% cash back on ALL debit card purchases*
    • Cash back earned on up to $300 in purchases monthly
    • Earn up to $72 cash back per year, $6 per month
* To earn cash back you must have at least 12 debit card transactions clear, be enrolled in eStatements, and view your account online at least once per qualification cycle. $5 minimum deposit to open. Refunds on ATM withdrawal fees, nationwide (up to $20 monthly) Read More... * When monthly qualifications are met, you will receive 2% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Domestic ATM fees incurred using Cash Back debit card during qualification cycle will be reimbursed up to $20 per month if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Cash Back rewards will be credited to your account on the last day of the monthly statement cycle. If qualifications are not met on Cash Back Checking, no rewards will be credited, and ATM fees will not be reimbursed. We reserve the right to convert your Cash Back Checking account to a Basic Checking account if the account does not meet the monthly qualification criteria over three (3) consecutive statement cycles. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
 

Basic Checking

Get back to the basics. This simple checking account gives you everything you need — and none of the extras you don't. This account is easy to manage. Use online and mobile banking to access accounts remotely. Keep up with your finances with easy-to-read electronic statements. Enjoy all this and more when you choose UECU!
  • Straightforward checking account
  • No minimum balance requirement*
  • Unlimited monthly transactions
*$5 minimum deposit to open. No monthly fee with eStatements, otherwise a $2 monthly paper statement fee applies. 
 

Student Checking

The best way to learn is hands-on. That's why we created this special account for students 17 or younger. Learn money management with easy ways to manage your account. And there's no monthly service charge — so you can focus on building your balance, not spending it!

 

  • Students age 17 and younger also receive a Youth Savings account for additional benefits
  • Learn money management skills
  • No minimum balance requirement*
  • Unlimited monthly transactions
*$5 minimum deposit to open. 
 

 


Reorder Checks

You may reorder checks through online banking.


Checking Comparison

  High Yield Cash Back Basic Student
  Gives Cash Back 3        
  Earn Interest 2,4        
  No Monthly Fee 5        
  No Min. Balance 2        
  Free Bill Pay 1        
  Overdraft Protection        
  Mobile Wallets        
  No Surcharge ATMs        
  Open Online Open Online Open Online Open Online
 
All checking accounts have a minimum opening deposit of $5
FREE Bill Pay service if 3 or more bills paid per month; otherwise there is a $5.95 monthly fee.
Basic Checking Account requires $1,000 minimum balance must be maintained each day of the statement period to earn interest.
3 When monthly qualifications are met, you will receive 2% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Domestic ATM fees incurred using Cash Back debit card during qualification cycle will be reimbursed up to $20 per month if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Cash Back rewards will be credited to your account on the last day of the monthly statement cycle. If qualifications are not met on Cash Back Checking, no rewards will be credited, and ATM fees will not be reimbursed. We reserve the right to convert your Cash Back Checking account to a Basic Checking account if the account does not meet the monthly qualification criteria over three (3) consecutive statement cycles. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
4 APY=Annual Percentage Yield. APYs accurate as of 1/1/2016. Rates may change after account is opened. For High Yield Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 per month and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.00%; and (3) balances over $10,000 earn 0.25% interest rate on the portion of the balance over $10,000, resulting in 2.00% - 0.41 % APY depending on the balance. If qualifications are not met on High Yield Checking all balances earn 0.05% APY. Qualifying transactions must post to and settle in High Yield Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised High Yield Checking APY is based on compounding interest. Actual interest amount paid may be less than advertised High Yield Checking APY. We reserve the right to convert your High Yield Checking account to a Basic Checking account if the account does not meet the monthly qualification criteria over three (3) consecutive statement cycles. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
5 Basic Checking Account has no monthly fee with eStatements. A $2 paper statement fee per month applies without eStatements.