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get more from your checking

Earn up to 5.00% APY1 with an Ultra Checking Account.

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Already a United Member?

Enroll or Log in to Online Banking and click Open New Account

earn up to 5.00% APY1

You can earn up to 5.00% APY on an Ultra Checking account.1 That adds up to more than pocket change for balances up to $10,000. You're on your way to earning your maximum checking dividends.


  • enroll in eStatements to receive your statements electronically each month
  • +
  • have one direct deposit or one electronic payment each month (ACH)
  • +
  • swipe and sign for at least 20 card transactions each month (Non-pin transactions on your Ultra Checking debit card or in combination with a U Rewards, U First or U Boost credit card)
  • =
  • earnings that go in the bank!

other perks

  • Knock 0.10% APR off your rate on new loans3
  • Get up to $10 back per month when you get charged for using an ATM4

great services

We are dedicated to helping every Member within every community we're a part of. Feel at ease knowing we have your back during tough times.

  • Keep tabs on your account with Visa® Purchase Alerts
  • Use Courtesy Pay protection on up to $1,000 for those moments when you don't have enough money in your account5
  • Free personal Financial Planning and Financial Seminars

we make it easy

Manage your money easily, when and how you want, with instant access online or from as many mobile devices as you can handle.

Mobile Check Deposit

Save time by making a deposit without having to drive to a branch by depositing checks directly from your smartphone -- just snap a picture of your check with a smartphone via the United app.

Zelle®

Zelle® is a convenient way to send money using your mobile banking app or online banking account.6

Free Bill Pay and eDocuments

Get added security by having your monthly statement sent directly to your email.

Debit Cards

Experience the convenience of the globally accepted Visa® Debit Card included with the Ultra Checking Account from United, making everyday purchases hassle-free from the donut shop to the movie theater and beyond.

Digital Wallet

Additional options are available for secure and convenient payments when you have Digital Wallet. Use Apple Pay®, Google Pay™, and Samsung Pay to buy what you want with one tap or click of your smartphone.7

Ultra Checking Status

Easily track your monthly number of swipes to make sure you’ll earn the full 5% APY. Find this tool in Online Banking under the Services Menu, then click on the tile titled 'Bonus Dividend Status'.

Ultra Checking
Effective Date: December 01, 2024
Account Type Minimum Amount Dividend Rate APY1 test header
Base Rate $0.00 0.050% 0.05%
Bonus Rate $0.00 4.841% 4.95%
TOTAL Rate $0.00 4.891% 5.00%
Base Rate   Over $10,000 0.100% 0.10%
Bonus Rate   Over $10,000 0.000% 0.00%
TOTAL Rate   Over $10,000 0.100% 0.10%
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 5.00% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met; 0.05% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements are not met; 0.10% APY earned on the portion of your daily balance that is greater than $10,000. Monthly requirements for Bonus APY: (a) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement (“Tax Reported Owner”) is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; (b) 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account is posted by 11:59 PM ET on the second to last calendar day of the dividend period; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

services at a glance

ATM
mobile banking
online banking
website
online chat
member services
branch drive-thru
open Ultra account
check account balance
withdraw/deposit cash
transfer money...between personal United accounts
to and from a non-United account
deposit a check
Skip-a-Payment
wire transfer
Zelle®
order a debit card
change card PIN

If you know your current PIN, you can also call (866) 238-5378 to request a new personalized PIN. This change will take effect immediately.
general questions
deposit taking ATMs
view ATMs here
Open An Account

just $50 will get you started

still not sure?

Compare Ultra Checking to our Rewards Checking account, read our FAQs, and learn about United to make the decision easier.

Compare Checking Accounts FAQs About Us

[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 5.00% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met; 0.05% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements are not met; 0.10% APY earned on the portion of your daily balance that is greater than $10,000. Monthly requirements for Bonus APY: (a) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement (“Tax Reported Owner”) is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; (b) 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account is posted by 11:59 PM ET on the second to last calendar day of the dividend period; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

[2] A 0.10% APY increase is applicable when the owner of this account, designated as the 'Tax Reported Owner,' also holds the same status for an Ultra Checking account with an average monthly balance of at least $1.00.

[3] 0.10% APR discount for maintaining an Ultra Checking account with a positive balance.

[4] ATM foreign surcharge fees will be refunded monthly, up to $10/month; excluding international ATMs, balance inquiry, and ATM deposit fees. Members must meet the following monthly requirements to earn ATM foreign surcharge fee refunds: (a) enrollment in eDocuments; (b) at least 1 direct deposit or ACH per month; and (c) a combined total of at least 20 cleared signature (swipe-and-sign/non-PIN) transactions on an Ultra or Rewards Checking account or cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported owner is a cardholder are posted by 11:59 PM ET on the second-to-last calendar day of the dividend period.

[5] Click here for Courtesy Pay disclosures

[6] Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

[7] Apple and the Apple Pay® logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play™ and the Google Play logo are trademarks of Google Inc.