Checking

ULFCU offers a variety of checking accounts that fit your lifestyle with quick and easy access to your funds.¹ A Regular Savings Account is required to open a checking account. All ULFCU checking accounts include:

  • Online Banking and Online Bill Pay

  • Free Mobile App with Remote Deposit and Mobile Pay

  • Debit Card option, with access to more than 40,000 surcharge-free ATMs nationwide

  • Electronic Statement option

  • Overdraft Protection options

  • Direct Deposit

  • Payroll Deduction

  • Free access to more than 5,000 CO-OP Shared Branches

  • $50.00 opening deposit

  • Earns dividends

  • $5 monthly service fee, or waived with a $500 or more average daily balance, OR Direct Deposit

  • Debit Card optional for a $12 annual fee

Checking account that pays high dividends

  • 3.00% APY* on balances up to $5,000

  • 3.00% to 0.38% APY* on balances over $5,000 depending on balance in account**

  • 0.05% APY* if qualifications aren’t met³

  • Refunds on ATM withdrawal fees; nationwide (up to $25 monthly)***

  • No monthly maintenance fee

  • No minimum balance to earn rewards

  • $50 opening deposit 

  • Qualifications:

    • At least 12 debit card purchases, each at least $10.00

    • Be enrolled in and log into online banking

    • If you don’t meet these qualifications, you’ll earn our base rate. Then, start earning your full rewards the next cycle that you qualify.

Best for debit card use

  • Rewards:

    • 3.50% cash back on debit card purchases*

    • Cash back earned on up to $300 in purchases monthly

    • Earn up to $126 cash back per year, $10.50 per month

    • No monthly service fees

  • Up to $25 monthly refunds on out-of-network ATM withdrawal fees nationwide*** 

  • Qualifications

    • At least 12 debit card purchases, each at least $10.00

    • Be enrolled in and log into online banking

    • If you don’t meet the qualifications, you’ll earn our base rate. Then, start earning your full rewards the next cycle that you qualify.

Whether your teen is just starting to manage money or you’re a college student, our Student Checking Account is simple to help build smart money habits—with no stress to keep a big balance or meet complicated requirements.

  • No monthly fees – Keep your cash for what matters.

  • No minimum balance.

  • Optional debit card – Just $12/year for easy spending and ATM access.

  • Ages 13–17: Open in-branch with a parent or guardian.

  • Ages 18+: Apply online or visit a branch.

  • $50.00 opening deposit

  • No monthly service fee

  • Debit Card optional for a $12 annual fee