At USECU, we offer four different checking accounts to meet your individual financial needs. Each one offers a reward of your choice so you decide what works for you!
All USECU Checking Accounts feature:
- Unlimited check writing
- Debit MasterCard
- Free Online Access
- Free Mobile App
- Free Notary Service
- Free checking starter kit
- Bill Pay Services
Get a Checking Account with great rewards regardless of which checking you choose!
FREE Checking —
Prime Checking —
Thrifty Checking —
Second Chance Checking —
1 Free Checking takes $25 to open but there is no minimum balance requirement and no monthly service charge when you sign up for eBundle. 2 Prime Checking takes $100 to open and $750 minimum balance to avoid an $8.50 monthly service fee. Dividends are compounded and paid monthly. 3 Second Chance Checking takes $25 to open. There is a $9.95 per month service charge with a $3.00 rebate or reduction for those with direct deposit. 4 Thrifty Checking takes $25 to open and there is a $5 monthly service fee. 5 Bill Pay service fee is $5.95 per month.
Overdraft Protection and Privilege
We have two affordable options to cover an unexpected shortage of funds in your checking account. Overdraft Protection allows you to link your checking and savings to cover the shortage, for a nominal transfer fee. With Overdraft Privilege, we will cover your transaction if you run low on funds, all for an affordable fee. Mistakes happen, but we’ve got you covered – avoid the embarrassment of returned items and get the peace of mind that you deserve.
Direct Deposit means one less trip to the Credit Union to deposit your paychecks and no fear of losing your payroll check. Set up direct deposit with your employer and your paycheck will be automatically deposited into your checking or savings account. Your money will be right where you need it when you need it. It’s that easy!
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*APY is Annual Percentage Yield. Deposit rates are effective as of September 1, 2021 and are subject to change.