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compare checking accounts

We offer two fantastic checking accounts - one that earns you rewards and one that earns you high interest. Compare the two and see which works best for you!

the difference is in the details

compare United's checking account

Looking for a new checking account, but don't understand the difference? Compare and contrast United's Rewards Checking and Ultra Checking accounts. With no minimum balance requirement or fee, both options are a great choice for you.

Rewards Checking Account

With a Rewards Checking Account, the card earns reward points when purchases are run as a "credit" (no PIN-based transaction).

ideal for

Members interested in earning points towards redemptions for travel, merchandise or cash back.

GET REWARDS

Ultra Checking Account

The Ultra Checking Account is an account with the ability to earn bonus dividends. It includes share certificate and money market rate bump-ups, and interest rate discounts on qualifying loans.

ideal for

Members looking for high interest rate on a checking account.

GET ULTRA

comparison chart

Get the breakdown of what makes Rewards Checking and Ultra Checking different from one another.

Rewards Checking
Ultra Checking
balances
Minimum Opening Balance
$50
$50
Minimum Balance Required
None Required
None Required
Below Minimum Balance Fee
None
None
features
Dividends
Up to 3% APY1
CardPerks™ Rewards2

The CardPerks™ Rewards program offers rewards for points earned. Points can be redeemed for cash back, gift cards, travel, merchandise, and more.

Learn More
1 point for every $3 spent*
Share Certificate Rate Bonus
Additional 0.10% APY3
Consumer Loan Discount
Additional 0.10% APY4
Bonus Builder Money Market Rate Bonus
Additional 0.50% APY5
Additional 0.50% APY5
ATM
United Deposits / Withdrawals
Free
Free
Co-Op / Alliance ATMs

Members can use CO-OP Network and Alliance One ATMs. CO-OP Network has access available at nearly 30,000 network ATMs nationwide. Alliance One has ATMS in 39 states and territories.

5 free withdrawals per month6
5 free withdrawals per month6
ATM Fee Refund7

Refunds are for ATM fees that occur from using financial institutions nationwide. Conditions apply. Read the fine print at the bottom of the page for more information.

Up to $25 per month
Up to $25 per month
online banking
Online Banking
Free
Free
Online Bill Pay8
Free
Free
eStatements
Free
Free
Mobile Check Deposit

Snap, send, done. Simply use your smartphone and the United Mobile Banking app to snap, submit, and deposit your checks electronically.

Learn More
Free
Free
protection
Courtesy Pay Limit

Courtesy Pay is a service that provides certain accountholders in "good standing" with the ability to overdraw their personal checking account up to the Courtesy Pay limit.

Learn More
$1,000
$1,000
Overdraft Protection
Available
Available
Deposits Insured By NCUA
Up to $250,000
Up to $250,000
interested?
*for qualified purchases. Card must be run as a 'credit.' Pin-based transactions do not earn rewards.
Helpful Hint

helpful hint

For the Ultra Checking Account, to qualify for 3.0% APY on balances up to $15,000 and up to $25 in monthly ATM fee refunds, you must meet the following 3 requirements:

  • Enroll in eStatements
  • Do 1 direct deposit or 1 ACH transaction per month
  • Use your card 10 times, run as a 'credit' per month. Pin-based transactions do not qualify.

Learn all you need to know about Ultra Checking Accounts.

UFCU Routing Number: 272484894

 

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Insured by NCUA. Equal Housing Lender – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. NMLS #471962.

If you are using a screen reader or other auxiliary aid and are having trouble using our website, call us at (888) 982-1400 for some help. All products and services available on this website are available at all United Federal Credit Union full-service locations.