Checking Options

University Credit Union offers a variety of checking accounts to meet your individual needs. With your membership, enjoy lower fees and convenient access to your funds 24/7. All checking accounts include a free Visa Debit or ATM Card, free online, mobile and telephone access, free eStatements, free access to nearly 30,000 CO-OP Network ATMs nationwide (including most 7-Eleven stores and select Costco stores) and 6,800 Shared Branching locations!

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Checking Account Options

Advantage Interest Value
Monthly Fees  BEST VALUE
$10; waived if Daily Average Balance is greater than $1,500 $5; waived with any activity, or daily avg bal. is greater than $200, or CD, Mkt Rate or Loan Balance.
FREE ATM Visa Debit Card          •           •           •
FREE Online Banking          •           •           •
FREE Mobile Banking App           •           •           •
FREE Mobile Check Deposit App          •           •           •
FREE Account-To-Account Transfers          •           •           •
FREE eStatements          •           •           •
FREE Account Alerts by email          •           •           •
FREE Bill Pay          •           •           •
FREE Access to 30,000 CO-OP ATMS          •           •           •
FREE Access to 6,800 Shared Branches          •           •           •
FREE Unlimited Check Writing          •           •           •
Overdraft Protection Options1          •           •           •
FREE Foreign Transfer Fees (Debit & Credit)          •           •           •
FREE Direct Deposit          •           •           •
FREE Checkfree NSF          •           •           •
FREE Statement Copy
(for past 24 mo., otherwise $3/pg.)
         •           •           •
FREE Money Orders          •           •
FREE Cashier Checks          •           •
FREE Notary Service
(for UCU documents only)
         •           •
Earns Interest4           •
FREE Copy of Check Deposit
(First 2 per month. $10 each additional copy)
FREE Basic Check Printing2          •
FREE Overdraft from Saving          •
Fee Refunds3          •
ATM Surcharge Refunds3          •
FREE Coin Service          •
FREE Temporary Checks          •
FREE Corporate Check          •
1 Must meet eligibility requirements for this discretionary service. There is a fee associated with ODP. Checks and ACH transactions may be covered. Eligible members electing for ODP for ATM and transactions must Opt-In. 2 Printing of Basic Checks up to $25 a year. 3 Refunds up to $20 of non-UCU and non-CO-OP ATM. Must submit form to request refund within 30 days of statement. Fee forgiveness for NSF, Overdraft Privilege or ATM Usage Fee Refund and ATM Surcharge Refund is activated for new checking accounts 90 days after the account is opened and eligible for refunds on fees that post after the first 90 days. 4 Interest is earned when the balance at the end of each business day is $1,500 or more.


We also have these specialized checking accounts:

College Checking
We’ve created a Student Banking Bundle which is a package of services that’s designed specifically for a student’s budget!

Organization Checking
Official university organizations have access to an account for handling a groups’ finances.

Teen Checking
The Teen Checking Account is for members ages 13-17. This is a great way to teach teens to manage and use a checking account. This account has no monthly fee and converts to Value Checking at age 18.

Fresh Start Checking
Fresh Start Checking enables individuals who have had past checking account blemishes that want to get a new start.