Ultra Checking

It’s simple to qualify and earn up to 3.00% APY¹

There are three easy steps:

  • Enroll in eStatements – receive your statements electronically each month
  • Have one direct deposit or one ACH each month (Electronic Payment)
  • Conduct a minimum of ten debit card swipe and sign purchases each month (Credit transactions/Non-PIN based)

NOTE: A debit card purchase using your PIN will not count as a debit card swipe and sign purchases. 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.

Ultra Checking

Earn up to

3.00% APY¹

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Features

  • Earn up to 3.00% APY on balances up to $15,0001
  • Bonus rate equal to 0.10% APY on share certificates2
  • 0.10% APR discount on new closed-end fixed-rate consumer loans3
  • ATM fee refunds from other financial institutions nation-wide, up to $25.00 per month4
  • Free Mobile Check Deposit
  • Digital Wallet payment options
  • Visa® Purchase Alerts help you keep tabs on your account anytime, anywhere. Near real-time alerts powered by Visa help you reduce fraud and monitor your spending. And the service is available free for Visa cardholders. To sign up, go to visa.com/purchasealerts.

Additional benefits from UFCU

  • A whole range of electronic services: Online Banking with Bill Pay, eStatements email alerts and online access to all your accounts
  • Overdraft protection from your savings account(s) or a personal line of credit is available, along with Courtesy Pay protection up to $1,000 to save you embarrassment and expense of Non-Sufficient Funds (NSF) items! Click here for Courtesy Pay disclosures.
  • Free private and personal Financial Planning and Financial Seminars

Open an account online, on the phone, or in person

It’s fast and easy!

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1) Annual Percentage Yield (APY) accurate as of 10/01/2017. 3.00% APY earned on first $15,000 of account balance if monthly reward requirements are met. Monthly requirements are: (a) enrollment in eStatements; (b) direct deposit or 1 ACH per month; and (c) 10 signature-based (non-PIN) debit card transactions posted to your Ultra Checking account per month. If reward requirements are not met, 0.05% APY earned on first $15,000 of account balance. 0.10% APY earned on balances above $15,000; not subject to bonus requirements. Rate may change after the 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) Bonus rate require an open Ultra checking account with a positive balance.
3) For closed-end, fixed-rate consumer loans, Includes auto loans, other vehicle loans, and signature loans. Does not include real estate-secured loans.
4) ATM foreign surcharge fees will be refunded monthly up to $25/month; excludes 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 eStatements; (b) direct deposit or 1 ACH per month; and (c) 10 signature-based (non-PIN) debit card transactions posted to your Ultra Checking account per month.

More Options from UFCU

Rewards Checking

Enjoy checking with rewards. No monthly fees or minimum balance requirements.

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eCash

This account is great for students, travel or purchasing items online.

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Share Certificates

Pick the terms and features that fit your needs while earning higher dividend rates.

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