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Checking Account

Spending, simplified

Everyday spending with global access and zero UNFCU fees

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Whether you are buying a coffee, transferring money to a friend, or withdrawing cash from an ATM, our checking account is a secure, cost-effective option for your everyday spending. It can also be used for your outbound money transfers and bill payments.

Manage your money with ease 

A daily spending account should make your everyday feel effortless. Benefit from the convenience and simplicity of a UNFCU checking account.

  • Checkmark.

    Effortless purchases and withdrawals

    Link your account to your debit card to make seamless digital wallet purchases and ATM withdrawals. 

  • Arrow pointing to the right in a circle.

    Set up payroll deposit

    Work with your employer to have all or a portion of your paycheck automatically deposited into your account each month.

  • Board check.

    Enjoy a premium rate

    You can earn up to 1.00% APY1 on up to $15,000 of your checking account balance.

  • Phone.

    Mobile check deposit

    Easily deposit the amount of USD paper checks into your account with a photo.

Checking account details

Included with a checking account

Maintenance fee

Included with a checking account

$0.00

Standard rate

Included with a checking account

0.05% APY1

Premium rate

Included with a checking account

1.00% APY1

Unlimited deposits

Included with a checking account

Minimum balance requirement

Included with a checking account

$0.00

Excessive transaction fee

Included with a checking account

$0.00

Account transactions

Included with a checking account

Unlimited transfers and withdrawals from your account balance

Link a debit card

Included with a checking account

ATM access

Included with a checking account

Global

Visa® foreign transaction fee

Included with a checking account

1.00% for non-USD cash withdrawals and USD cash withdrawals outside the US

Manage in Digital Banking

Included with a checking account

Mobile & email account alerts (setup required)

Included with a checking account

  • Account transactions
  • Debit card purchases
  • Account balances

Insured by NCUA

Included with a checking account

Up to $250,000 per account holder

Overdraft protection

Included with a checking account

View options

Joint account holders

Included with a checking account

Add up to one per account

Beneficiaries

Included with a checking account

Add up to five per account via Digital Banking

Member Loyalty Rewards

Included with a checking account

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Open a checking account

Enjoy the daily benefits of an everyday spending account.

Top checking account FAQs

There is no limit to the number of free transfers from your checking account. 

That is why you should use your checking account as your spending account. Make sure you have enough money in the account to cover your expenses and debit card purchases. Your debit card will be linked to your checking account.

If you have both a savings and checking account, your debit card will be linked to your checking account. 

Some ATMs will give you the option to choose whether to take the money from your checking or savings account. If the ATM does not allow you to choose, the money will be withdrawn from your checking account.

You may only have one joint account holder.

Checks drawn in Canadian dollars will be accepted for any amount.  We will also accept checks in currencies other than USD if the converted amount is at least $250. The exchange rate for non-USD checks is determined by the payee bank or foreign exchange service performing the collection. There is a Canadian check processing fee and a foreign check processing fee.

You can earn the premium rate on balances up to $15,000 during each month that you: 

Debit card purchases posted to your account by 17:00 New York time on the last business day of a month will count for that month. Later postings will be counted as purchases made in the next month.

Resources to help you manage your account

Visit the Help Center
Savings & Spending Accounts

Set up payroll deposit

Savings & Spending Accounts

Manage joint account holders 

Savings & Spending Accounts

View, add, or remove beneficiaries

Digital Banking Setup

Set up email or mobile account alerts

Global value, elite experiences

Looking to make purchases with zero foreign transaction fees? Learn more about our Elite credit card and its global benefits.