Open a high-yield savings, checking, or share certificate account
- Sign in to Digital Banking.
- Under Account Services, select Open Deposit Accounts.
No account? Enroll in Digital Banking.
Checking Account
Spending, simplified
Qualify to earn our highest rate on money you can access anytime
From paying your monthly bills to purchasing a cup of coffee, spending is simple using your checking account. Earning a premium rate of 1.75% APY1 is simple, too.
Make more transactions
Our best account for everyday spending.
Global access
Manage the account and view account activity from anywhere, 24 hours a day.
No maintenance fee
No matter your balance, never pay a monthly maintenance fee.2
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.
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Enjoy a premium rate
You can earn up to 1.75% APY1 on up to $25,000 of your checking account balance.
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Effortless purchases and withdrawals
Link your account to your debit card to make seamless digital wallet purchases and ATM withdrawals.
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Set up payroll deposit
Work with your employer to have all or a portion of your paycheck automatically deposited into your account each month.
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Mobile check deposit
Easily deposit the amount of USD paper checks into your account with a photo.
Higher rate, simple requirements
Earn the premium rate of 1.75% APY on up to $25,000 of your checking account balance in each month that you:
- Receive electronic statements,
- Make a minimum of 10 debit card purchases,
- Receive $500 or more in electronic external deposits1, and
- Maintain an average monthly balance of $500 or more
Everyday spending that earns you rewards
Your balance can earn you Member Loyalty Rewards, including rebates of ATM fees.
Checking account details
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Included with a checking account |
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Maintenance fee |
Included with a checking account $0.00 |
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Standard rate |
Included with a checking account 0.05% APY1 |
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Premium rate |
Included with a checking account 1.75% APY1 |
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Unlimited deposits |
Included with a checking account
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Minimum balance requirement |
Included with a checking account $0.00 |
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Included with a checking account $0.00 |
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Link a debit card |
Included with a checking account
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ATM access |
Included with a checking account Global |
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Visa® foreign transaction fee |
Included with a checking account 1.00% for non-USD cash withdrawals and USD cash withdrawals outside the US |
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Manage in Digital Banking |
Included with a checking account
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Mobile & email account alerts (setup required) |
Included with a checking account
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Included with a checking account Up to $250,000 per account holder |
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Overdraft protection |
Included with a checking account |
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Joint account holders |
Included with a checking account Add up to one per account |
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Beneficiaries |
Included with a checking account Add up to five per account via Digital Banking |
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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
No. There may be fees when using your debit card, using an ATM, or making certain transfers, but there are no excessive transaction fees associated with 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 $25,000 during each month that you:
- Make 10 debit card purchases,
- Receive $500 or more in qualifying electronic external deposits,
- Maintain an average monthly balance of $500 or more, and
- Receive electronic statements via Digital Banking.
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. Qualifying external deposits include incoming ACH transfers, such as payroll deposits from your employer or pension fund, and incoming wire transfers. They do not include:
- Cash or check deposits made at UNFCU branches
- Mobile check deposits
- Deposits at ATMs
- Transfers between your accounts
- Transfers from another UNFCU member's account
- Transfers made using payment apps
Checking accounts belonging to organizations and non-interest-bearing checking accounts are not eligible to earn the premium rate.
Resources to help you manage your account
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.