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 stuff including travel-related items, gift cards, or even cash! With hundreds of reward options available, the only hard part will be deciding how you want to use your points.
earn CardPerks™ rewards with
Earn rewards or cash back with your everyday spending. You can check the status of your points as often as you want by logging in to online banking, visiting CardPerks.UnitedFCU.com, or calling (855) 445-7431. With the points you earn, you can choose to reward yourself with:
- cash back Use your points to credit cash to your checking statements.
- gift cards Choose from hundreds of your favorite stores and restaurants.
- travel It's never been so exciting to use your points to plan your next trip!
- merchandise Electronics, jewelry, sporting goods, tools -- and so much more.
- discounts Retailer discounts and even more points at GetExtraPoints.
- CardPerks™ terms Learn more about earning rewards, how to redeem points, and terms.
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 account7
- 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.
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 smart phone via the United app.
Whether you are paying allowance, splitting the check, or sending a birthday gift, you can send money to family and friends fast and securely with U Pay.
Have added security by having our monthly statement sent directly to your email.
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.5
ATM Fee Refunds
Need to use a non-United ATM? We’ve got you covered. Receive up to $25 per month3 of ATM fee refunds that occur from using other financial institutions nationwide.
- Transfer to and from accounts at other financial institutions
- Send us secure messages
- Free non-United ATM transactions (up to 5 per month)4
- No foreign transaction fees charged at Co-Op or Alliance One Network ATMs
- Overdraft protection available from a line of credit or Savings account
- Deposits insured up to $250,000 by NCUA
Builder Money Market6
- NO enrollment for perks
- NO minimum balance
- NO monthly service fees2
- NO per check fees
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!
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.
You can check the status of your points with online banking, visiting CardPerks.UnitedFCU.com, or calling
just $50 will get you started
still not sure?
Compare Rewards Checking to our Ultra Checking account, read our FAQs, and learn about United to make the decision easier.