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get more from your checking

Earn up to 3% APY1 with an Ultra Checking Account.

GET STARTED

Already a United Member?

Login to Online Banking, go to Applications then choose Open an Account.

earn up to 3% APY1

yes, you read that right

You can earn up to 3% APY on a checking account!1 That adds up to more than pocket change for balances up to $15,000. You're on your way to earning your maximum checking dividends.

  • enroll in eStatements to receive your statements electronically each month
  • +
  • have one direct deposit or one electronic payment each month (ACH)
  • +
  • swipe and sign for at least 10 debit card purchases each month (Credit transactions/Non-PIN based)
  • =
  • earnings that go in the bank!

other perks

  • Add 0.10% APY bonus on Share Certificates2
  • Earn 0.25% APY more on Bonus Builder Money Markets2
  • Knock 0.10% APR off your rate on new loans3
  • Get up to $25 back per month when you get charged for using an ATM4

great services

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 account6
  • 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.

Mobile Check Deposit

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 smartphone via the United app.

Free U Pay Transactions

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.

Free Bill Pay and eStatements

Have added security by having our monthly statement sent directly to your email.

Digital Wallet

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!

ATM
mobile banking
online banking
website
online chat
member services
branch drive-thru
open Ultra account
check account balance
withdraw/deposit cash
transfer money...between personal United accounts
to and from a non-United account
deposit a check
Skip-a-Pay
wire transfer
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.
general questions
deposit taking ATMs
view ATMs here
Open An Account

just $50 will get you started

still not sure?

Compare Ultra Checking to our Rewards Checking account, read our FAQs, and learn about United to make the decision easier.

Compare Checking Accounts FAQs About Us

[1] 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. [2] Bonus rate require an open Ultra checking account with a positive balance and minimum Money Market balance of $1,000. [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. [5] 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. [6] Click here for Courtesy Pay disclosures