Checking Accounts

UCCU checking accounts offer a convenient way for member to access their funds 24/7.

Better than Free Checking
This classic checking account offers members a basic checking account with no minimum balance requirements.

• No minimum opening balance
• No monthly service charge
• Unlimited check writing, withdrawals and transfers
• Monthly statements or e-statements available
• Non interest-bearing account

Premier Checking
The Premier checking option is an interest-bearing account for members who usually maintain a higher balance.

• $500 minimum balance requirement
• Interest bearing (when minimum balance is met)
• Unlimited check writing, withdrawals and transfers
• Monthly statements or e-statements available
• Monthly service charge may apply if balance falls below $500 minimum balance
• Variable interest rate: contact a member services representative for the current rate

Overdraft Privilege
UCCU has a convenient response to your unexpected banking needs; a financial resource that can cover your overdraft checks and ATM / debit card transactions. Members in good standing may qualify for Overdraft Privilege. With this great, new service, we may elect to pay your overdraft checks, ATM, and debit card transactions rather than returning them unpaid. You will be charged a service fee for insufficient funds as appropriate; however, you avoid the additional expense of another fee charged by the merchant to whom the check was returned.

Ask a Credit Union representative how Overdraft Privilege can help to take the “bounce” out of your checking account.

Funds Availability
Our policy is to allow you to withdraw funds you deposit in your account on the same business day as we receive your deposit. However, In some cases, we may delay your ability to withdraw funds beyond the same business day. Then, the funds will generally be available by the fifth business day after the day of deposit. In some cases, funds may not be available until the eleventh business day.

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