ultra checking


Earn up to 3.00% APY 1

Just follow these three easy steps and you’re on your way:

  • Enroll in eStatements – receive your statements electronically each month
  • Have one direct deposit or one electronic payment each month (ACH)
  • Swipe and sign for at least ten debit card purchases each month (Credit transactions/Non-PIN based) 

DON'T FORGET: A debit card purchase using your PIN will not count as a debit card swipe and sign purchase. All direct deposit, ACH and debit card swipe and sign purchases must post to your account by 6:00 p.m. (ET) on the last business day of the month to count towards that month.

Member perks

  • Earn up to 3.00% APY (up to $15,0001)
  • Take advantage of bonus rates on share certificates2 (equal to 0.10% APY)
  • Enjoy rate discount on new loans3 (0.10% APR)
  • Get up to $25.00 per month4 back when you get charged for using an ATM
  • Keep tabs on your account with Visa® Purchase Alerts

Great services

  • Use Courtesy Pay protection on up to $1,000 for those moments when you don’t have enough money in your account (Click here for Courtesy Pay disclosures)
  • Free personal Financial Planning and Financial Seminars

Banking on-the-go

  • Online and Mobile banking with Bill Pay and eStatements 24/7
  • Free Mobile Check Deposit- Snap a picture of the check with your smartphone
  • U Pay- Send money to family and friends from your phone in seconds
  • Digital Wallet- Google Pay™, Apple Pay® and Samsung Pay
  • Financial Management Tools- Plan, sort, and manage your finances
  • CardSwap- Quickly update your payment info all in one place

earn up to 3.00% APY1


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.