the difference is in the details
compare checking accounts from United
Looking for a new checking account, but don't understand the difference? Compare and contrast 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).
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.
Members looking for high interest rate on a checking account.GET ULTRA
Get the breakdown of what makes Rewards Checking and Ultra Checking different from one another.
The CardPerks™ Rewards program offers rewards for points earned. Points can be redeemed for cash back, gift cards, travel, merchandise, and more.Learn More
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.
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.
Snap, send, done. Simply use your smartphone and the United Mobile Banking app to snap, submit, and deposit your checks electronically.Learn More
Courtesy Pay is a service that provides certain account holders in "good standing" with the ability to overdraw their personal checking account up to the Courtesy Pay limit.Learn More
For the Ultra Checking Account, to qualify for 5.00% APY on balances up to $10,000 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 20 times, run as a 'credit' per month. Pin-based transactions do not qualify.
Learn all you need to know about Ultra Checking Account.