get more from your checking

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


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 0.50% APY more on Elevate Money Market3
  • Knock 0.10% APR off your rate on new loans4
  • Get up to $25 back per month when you get charged for using an ATM5

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 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.

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.


Zelle® is a convenient way to send money using your mobile banking app or online banking account.

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.6

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!

mobile banking
online banking
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
wire transfer
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
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.