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Checking for the Way You Live!
Simply compare University Credit Union's choice checking accounts to other available options. We offer accounts to fit all of our members' different checking needs and all of our accounts come with added services to make accessing your funds convenient and simple. To learn more about our convenience services, click here.
- Free MasterCard Debit Transactions and Free Cash Back
- Free UCU ATM Transactions
- Free Online Banking and Bill Pay
- Unlimited Check Writing
- Fifty Complimentary Checks
- Free Check Safekeeping
- Courtesy Pay®
Essential CheckingBasic checking with no minimum balance, no monthly fee.
Advantage Checking
Checking for members who have direct deposit. No minimum balance, no monthly fee, five free non-UCU ATM transactions per month.
Campus Advantage Checking
Checking for members attending college. No minimum balance, no monthly fee, ten free non-UCU ATM transactions per month.
Elite Checking
Checking for members with a total combined deposit balance in savings, checking and money market of at least $10,000. No monthly fee. Unlimited free non-UCU ATM Transactions.
Benefits Checking
No minimum balance, $5 monthly membership fee, enrollment in Member Benefits Program.
A UCU Checking Account can save you money without sacrificing any convenience! We've made switching easier for you, too - below are links to pages you can use to notify the necessary places that your checking account has been switched to UCU.
Direct Deposit Change Notice
Automatic Payment Change Notice
Checking Account Closure Notice
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1Members
with Essential Checking are subject to a $1.00 fee per ATM
withdrawal or balance inquiry made at a non-UCU ATM.
2Members with Advantage Checking
must have full Direct Deposit with the Credit Union.
3Must
show proof of student status.
4Members
with Elite Checking must have a minimum combined balance of
$10,000 between checking, savings and Money Market Draft
Accounts.
‡Members with Benefits Checking are subject
to a $5.00 monthly service fee.
*ATM terminal owners not associated with the
SUM Program may charge a convenience fee.
**First ten transactions per month free,
$0.60 for each additional transaction thereafter. |
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More Services. More Convenience. |
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Each of UCU’s choice
checking accounts come with convenient, simple and secure services to
access your accounts at anytime from anywhere.
UCU Debit Card:
More flexible than checks, the Debit Card
can be used anywhere the MasterCard® symbol is displayed, and
it is linked directly to your UCU Checking Account. All purchases and
ATM transactions are automatically deducted.
UCU@Home Online Banking:
Log onto our web site for FREE access to
your accounts via UCU@Home. Use it to check account balances and
histories, make transfers between accounts, track stocks, apply for
loans and more.
Online Bill Pay Service:
Bill Pay allows you to pay their bills without the hassle of writing
checks and running to the post office. It is subject to approval and
fees may apply.
Starline 24 Hour Teller:
Access your UCU accounts using a
touch-tone phone. Check account balances, find out current rates, get
prior-year tax information, and more.
Liberty Online Check Re-Order:
Order your next box of checks online with the click of mouse whenever
its convenient for you, saving yourself a trip to the mailbox or a call
to the Credit Union. It's secure and simple!
Courtesy Pay Service:
This service allows the Credit Union to pay an item against your
account, even if funds are not available, adding a layer of safety to
your account. Must have account for 60 days and be in good standing.
Subject to $500 limit.
Overdraft Protection Line of Credit:
If your Checking Account has insufficient funds, an Overdraft Protection
Loan will prevent checks from being returned or “bounced.” Subject to
approval and fees may apply.
Click
here to apply online. |
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More Value. More Benefits. Benefits Checking. |
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When you choose Benefits Checking you are
automatically enrolled in our exclusive Member Benefits program. This
program offers numerous discounts and savings on all types of products,
services, travel, and much more. It also offers protection services, as
well as convenience advantages. Please read below for more information
on each benefit. Members will receive their complete Member Benefits
package in the mail 4 to 6 weeks after enrollment.
SECURITY ADVANTAGES
$10,000 24-Hour
Accidental Death and Dismemberment Insurance:
You’ll be protected with $10,000 in
Accidental Death and Dismemberment Insurance 24 hours a day.
Payment Card
Protection: Register all your
credit, ATM and debit cards at one time and in one place. If your cards
are lost or stolen, simply call one convenient toll-free number anytime,
24 hours a day, and we’ll report the necessary information to card
issuers and request replacement cards. You’ll also receive protection
against any liability on every registered card. This comprehensive
service also includes emergency cash and emergency airline tickets.
TRAVEL ADVANTAGES
Savers Club® Book:
Save 50% at over 3,000
participating lodging properties from coast to coast. Plus you’ll find
discount offers from theme parks and car rental companies. You can
receive a new bargain-filled Savers Club® Book every year.
Bonus Travel:
Make travel plans by calling
the toll-free Bonus Travel number. You’ll always receive the lowest
domestic airfares available at time of booking through the “Best Fare
Search” system. You’ll also receive special, members-only savings on
packaged vacations and cruises through the Vacation Savings Hotline.
Get Up & Gosm:
With a one-time reservation
processing fee of $24, you can spend up to three days and two nights at
select hotels in vacation regions across the U.S. Simply activate the
benefit via mail, fax or by going online and request you preferred
destination and travel time. Once you’ve received written confirmation,
you’re good to go! Accommodations are for two adults 21 years of age or
older and up to two children underage 18.
Sojourns®
Member Magazine: Whether
you’re a serious traveler, or you prefer to enjoy America’s beauty from
the comfort of an easy chair, vivid color photography and in-depth
travel stories will satisfy your wanderlust. You can receive the latest
issue in the mail twice a year.
CONVENIENCE ADVANTAGES
Telephone Shopping
Service: Shop at home
toll-free, and save up to 50% on over 500,000 name brand items.
Satisfaction guaranteed. All manufacturers’ warranties remain in
effect.
Everyday Rebate
Rewards: You can get cash
back, simply by buying items you need everyday. Save receipts from
everyday purchases of things like dining, clothing, groceries and pet
supplies. At the end of each quarter, submit your receipts (up to $100
per quarter) along with the Everyday Rebate Rewards request form to
receive 10% cash back on the entire bill. |
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