Checking Accounts

Checking accounts offer a convenient way for members to have access to their funds 24/7. These accounts allow members to enjoy the convenience of Home Banking, Online Bill Payer, and our MasterCard Debit Card.

United Rewards Checking*

  • Earns a competitive interest rate (contact Member Services for current rate)
  • Free nationwide ATM fee refunds**
  • No minimum balance to earn rewards
  • All interest payments and ATM fee refunds are deposited to your checking account on a monthly basis
  • No monthly fee
    To earn rewards each monthly qualification cycle, you must:
  • Have at least 12 debit card transactions post and clear
  • Access Home Banking (online banking)
  • Have at least one direct deposit post and clear
  • Receive and review e-statements

Click Here To Learn More

*Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account. Intra-bank transfers do not count as qualifying ACH transaction.
**ATM fee reimbursements up to $20 provided only if qualifications are met within the monthly qualification cycle.

Classic Checking

  • No minimum balance requirements
  • No monthly service charges
  • Unlimited check writing
  • Monthly statements or e-statements available
  • Non-interest bearing account

Better Business Checking

  • Low $150 minimum opening deposit
  • $1,000 minimum balance
  • No monthly service charge (when minimum balance is met)
  • Lock bag service available
  • Free check imaging
  • Free bill payer
  • 50 free deposit items per month (excessive deposit items may apply after 50 items)

Overdraft Privilege

United Community has a convenient response to your unexpected banking needs a financial resource that can cover your overdrafts. As long as you maintain your account in good standing, United Community may elect to pay your overdraft checks and debit card transactions instead of returning them unpaid. You will be charged service fees for insufficient funds as appropriate; however, you avoid the additional expense of another fee charged by the merchant to whom the check was returned. To take advantage of this product please complete the following form: Overdraft Authorization Form.

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 second business day after the day of deposit. In some cases, funds may not be available until the eleventh day.

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Current Rates
This credit union is federally insured by the National Credit Union Administration.
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