Checking Accounts

Find Freedom in Everyday Finances with UFCU

Simply U™ Account

Simplified banking with no overdraft fees

$0 to open

$0 monthly service fee

$1,000 ATM daily cash limit

Free Checking

Standard banking, with the features you need

$0 to open

$0 monthly service fee

$2,000 ATM daily cash limit

Plus Checking

Flexible spending with earning potential

$2,500 in combined balances* 

$10 monthly fee if combined month-end balances fall below $2,500*

Additional exceptional perks

Teen Checking

Designed for Members Ages 13-17

$0 to open

$0 monthly fee

$500 ATM daily cash limit

Monthly dividends up to 0.05% APY

Checking, the Credit Union Way

At UFCU, you’re a partner, not an account number. Excellent service for our Members is the cornerstone of all our checking accounts, along with free features and benefits:

  • Get paid up to 2 days early with direct deposit
  • Instant-issue contactless VISA® Debit Card
  • 24/7 account access with secure digital banking services
  • Worry-free banking with account alerts
  • Free, easy bill pay with Online Banking
  • Automated eStatements
  • Access to UFCU’s network of fee-free ATMs

More UFCU Member Services

Know Where Your Money Is

Stay on top of spending and keep your accounts secure. Register your Visa Debit Card for Visa Purchase Alerts. These free services could not be simpler: You provide your contact information. You define the criteria that triggers an alert. You stay informed. It’s banking on your terms.

Instant Card-Carrying Membership

Get your Visa Debit Card issued on the spot when you open a checking account with UFCU.

  • Accepted everywhere Visa Debit Cards are accepted
  • Use at non-UFCU ATMs for a minimal $1 fee

Branch Out with Online Banking

View and download account info and transactions, pay bills for free, and transfer money, 24/7.

Learn more

Stay Covered for the Unexpected

We offer a few different options to help you manage your account in the instance it lacks funds to cover a transaction. Manage your account with added peace of mind through our available Overdraft Service options:

  • Overdraft Protection Transfer
  • Line of Credit
  • Courtesy Pay
Explore Overdraft Services

* Savings, Checking, Money Market, Certificates of Deposit, and IRA Accounts combined under one account number.

† Limits subject to change.

APY = Annual Percentage Yield

Order Checks
UFCU routing number 314977405

Stay balanced

Use this calculator to reconcile your checking account.

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In your check register mark all checks paid. To the right, list checks outstanding not yet charged to your account.
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