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
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!
open Ultra account
check account balance
transfer money...between personal United accounts
to and from a non-United account
deposit a check
U Pay person-to-person payment services
order a debit card
change card PIN
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.
 Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 3.00% APY earned on first $15,000 of account balance if monthly requirements for Bonus APY are met; 0.05% APY earned on first $15,000 of account balance if monthly requirements not met; balance above $15,000 earns 0.10% APY and is ineligible for Bonus APY. Monthly requirements for Bonus APY: (a) 10 signature-based (non-PIN) debit card transactions posted to account; (b) 1 direct deposit or ACH transaction; and (c) active enrollment in eStatements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. No minimum balance after account opening. Fees could reduce the earnings on the account and a monthly inactivity fee may be assessed if account becomes dormant. One account per Member.  Bonus rate require an open Ultra checking account with a positive balance and minimum Money Market balance of $1,000.  For closed-end, fixed-rate consumer loans, includes auto loans, other vehicle loans, and signature loans. Does not include real estate-secured loans.  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.  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.  Click here for Courtesy Pay disclosures