cash back
Use your points to credit cash to your checking statements.
rewards checking account
Get a little something back for you. Just $50 will get you started.
get more when you spend
just $50 will get you started
Always using your debit card to pay for items? When you "swipe and sign" using your Rewards Checking account, you earn reward points. Rack up those points and redeem them for cash!
earn CardPerks rewards with every $3 spent1
CardPerks Rewards
Earn rewards with your everyday spending. You can check the status of your points as often as you want by logging into Digital Banking or calling (855) 445-7431. With the points you earn, you can choose to reward yourself with:
CardPerks terms
Learn more about earning rewards, how to redeem points, and terms.
additional features
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 activity 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
• Access free personal financial planning and helpful financial seminars.
• Transfer to and from accounts at other financial institutions
• Up to five (5) free withdrawals per month through any non-United ATM3
• Looking for a surcharge-free ATM? Search the CO-OP Network or find an Alliance One ATM.
• Overdraft protection available from a line of credit or Savings account
• Deposits insured up to $250,000 by NCUA
Manage your money effortlessly through convenient digital banking tools, extensive ATM access, and friendly, local service you can rely on, when you need it.
great rewards
to maximize your earnings
Earn 2.50% APY5 more
on an Elevate Money Market account
peace of mind
We've got your back. No enrollment for perks, no minimum balance, no monthly service fees2 , and no per check fees
ATM Fee Refunds3
Enjoy up to five (5) free withdrawals each month through any non-United ATM. Need a surcharge-free option? Use the Co-Op or Alliance One Network locator.
services at a glance
On-the-go, online, or in-branch. We’ve got you covered! Take a look at the chart below to see all the different ways you can access your Rewards Checking account. The choice is yours at United!
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
[1] Subject to CardPerks Terms and Conditions. View Terms and Conditions for more information.
[2] Minimum opening balance of $50 required.
[3] Members receive up to five (5) free withdrawals per month at non-United ATMs. Withdrawals conducted at CO-OP Network ATMs are surcharge-free. After the five (5) free withdrawals are used, additional non-United ATM withdrawals, as well as withdrawals at CO-OP/Alliance ATMs, may be subject to fees assessed by United Federal Credit Union. Transactions conducted at non-CO-OP bank or privately owned ATMs may also be subject to a surcharge assessed by the ATM owner. Any such surcharge is not imposed, collected, or controlled by United Federal Credit Union.
[4] Apple and the Apple 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.
[5] APY = Annual Percentage Yield. Elevate Money Market bonus rate of 2.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Rewards Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Rewards Checking account and 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; c) one direct deposit or electronic auto payment (ACH); d) active enrollment in e-statements. Rates may change after
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