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UFCU will be closed on Saturday, July 4, 2015 in observance of Independence Day. Read more

Checking Accounts

Find Freedom in Everyday Finances with UFCU

Free Checking

$25 to open

$0 monthly fee

$1 per transaction for non-credit union alliance ATMs

$1,000 ATM daily cash limit

Plus Checking

$2,500 in combined balances*

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

$1 per transaction for non-credit union alliance ATMs

$1,000 ATM daily cash limit

Monthly dividends at .01% APY

Premium Checking

$10,000 to open

$15 if average daily balance falls below $10,000

$1 per transaction for non-credit union alliance ATMs

$1,500 ATM daily cash limit

Monthly dividends at .05% APY

Teen Checking

$25 to open

$0 monthly fee

$1 per transaction for non-credit union alliance ATMs

$500 ATM daily cash limit

Monthly dividends at 1.25% APY

Checking, the Credit Union Way

At University Federal Credit Union, you’re a partner, not an account number. Excellent customer service is the cornerstone of all our checking accounts, along with free features and benefits:

  • Instant-issue VISA® debit/check card
  • 24/7 account access with secure online banking
  • Worry-free mobile banking with account alerts
  • Easy online bill pay
  • Automated eStatements
  • Access to over 300 ATMs in the Central Texas and Galveston County areas

More UFCU Member Services

Instant Card-Carrying Membership

Leave the checkbook behind—get your free VISA® debit/check card issued on the spot when you open a checking account with UFCU.

  • Accepted everywhere VISA® debit cards are accepted
  • Free access to cash from over 300 UFCU and Credit Union Alliance ATMs
  • Use at non-UFCU or Credit Union Alliance ATMs for a minimal $1 fee
  • No annual fee or interest charges
  • No transaction fee for point-of-sale purchases
  • Verified by VISA

Interested in a UFCU credit card?

Branch Out with Online Banking

View and download account info and transactions, pay bills for free, and transfer money, 24 hours a day.

Learn more


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

APY = Annual Percent Yield

Order Checks

OrderMyChecks.com
UFCU routing number 314977405

Stay balanced

Use this calculator to reconcile your checking account.

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Balance on last statement
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Total deposits since last statement
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Outstanding Checks
In your check register mark all checks paid. To the right, list checks outstanding not yet charged to your account.
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