ultra checking account
Earn up to 5.00% APY1 on balances up to $10,000 with a high-yield Ultra Checking Account.
earn up to 5.00% APY1
get more from your checking
What if your checking account did more than just hold your money? What if it could grow it? With Ultra Checking, you can earn up to 5.00% APY¹ on balances up to $10,000, transforming everyday transactions into real savings. It's not just convenient; it's rewarding.
But the benefits don’t stop there. Ultra Checking goes beyond everyday banking by giving you extra perks designed to boost your savings and save you money in multiple ways:
- Share Certificates: Enjoy an additional 0.10% APY bonus.²
- Elevate Money Market: Earn 2.50% APY more with an Ultra Checking account.
- Loans: Lower your borrowing cost with 0.10% APR off your rate on new loans.³
- ATM Fees: Receive up to $10 back monthly in ATM fees.⁴
Ultra Checking is more than just checking—Keep reading and learn why Ultra Checking is right for you and your loved ones. Get more from your checking, every day. At United, we get U.
Ultra Checking |
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|---|---|---|---|
| Effective Date: June 01, 2025 | |||
| Account Type | Minimum Amount | Dividend Rate | APY1 |
| Base Rate | $0.00 | 0.050% | 0.05% |
| Bonus Rate | $0.00 | 4.841% | 4.95% |
| TOTAL Rate | $0.00 | 4.891% | 5.00% |
| Base Rate | Over $10,000 | 0.100% | 0.10% |
| Bonus Rate | Over $10,000 | 0.000% | 0.00% |
| TOTAL Rate | Over $10,000 | 0.100% | 0.10% |
| [1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 5.00% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met; 0.05% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements are not met; 0.10% APY earned on the portion of your daily balance that is greater than $10,000. Monthly requirements for Bonus APY: (a) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement (“Tax Reported Owner”) is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; (b) 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account is posted by 11:59 PM ET on the second to last calendar day of the dividend period; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member. | |||
3 easy steps
to maximize your earnings
enroll in eDocuments
Sign up in Digital Banking to receive your statements electronically each month
fund your account
Receive one direct deposit or one electronic payment each month (ACH)
swipe and sign
Make at least 20 monthly signature-based (non-PIN) transactions using your Ultra Checking Debit Card, or in combined with your U Rewards, U First, or U Boost credit card
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.
Manage your money effortlessly through convenient digital banking tools, extensive ATM access, and friendly, local service you can rely on, when you need it.
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 Ultra Checking account. The choice is yours at United!
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 5.00% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met; 0.05% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements are not met; 0.10% APY earned on the portion of your daily balance that is greater than $10,000. Monthly requirements for Bonus APY: (a) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement (“Tax Reported Owner”) is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; (b) 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account is posted by 11:59 PM ET on the second to last calendar day of the dividend period; and (c) active enrollment in e-statements. Rates may change after 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] A 0.10% APY increase is applicable when the owner of this account, designated as the 'Tax Reported Owner,' also holds the same status for an Ultra Checking account with an average monthly balance of at least $1.00.
[3] 0.10% APR discount for maintaining an Ultra Checking account with a positive balance.
[4] ATM foreign surcharge fees will be refunded monthly, up to $10/month; excluding 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) at least 1 direct deposit or ACH per month; and (c) a combined total of at least 20 cleared signature (swipe-and-sign/non-PIN) transactions on an Ultra or Rewards Checking account or 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.
[5] Click here for Courtesy Pay disclosures
[6] Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
[7] Apple and the Apple Pay® 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.
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