Checking & Debit Cards

Choose the Checking Account That's Right for You

  • Access to 30,000 surcharge-free ATMs nationwide
  • Easy Online & Mobile Banking
  • Online & Mobile Bill Pay
  • One free overdraft per year
  • Debit card with chip technology

Compare Checking Accounts

  Free Checking with
Student Checking
with E-Statements
Membership Checking Premier Checking
Overview Get a free account with no balance requirements. Get a free account with E-Statements designed specifically for students. Get a free account with paper statements. ($500 minimum daily balance required). Earn dividends with this premium account.
Minimum Balance     $500  
Minimum Opening Deposit $100 $25 $100 $100
Earns Dividends       Yes
Monthly Service Fee $0 $0 $5.951 $152
Debit with Chip Technology Yes Yes Yes Yes
Schedule of Fees & Charges View View View View
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Save time with features that let you bank from anywhere

Mobile Deposit - Deposit checks from anywhere plus, your funds are immediately available
Direct Deposit - Ultimate convenience. Plus, get paid a day early3
Bill Pay - Set up automatic and recurring payments so you never miss a payment again
Smartwatch App - Keeps tabs of your money on your wrist
E-Documents - Keep all your financial info at your fingertips without the paperwork
On-The-Go Account Alerts

Already have a USECU Checking Account?

Overdraft Protection
We offer a variety of different options to help ensure overdrafts don't become expensive problems.
Learn More

Running Low on Checks?
You can reorder your personal USECU checks online. Login to Online Banking and click on the "Additional Services" tab, then the "check reorder" link, or click here to reorder your checks through our partner website.

Message and data rates may apply when banking on your mobile device.
1. Fee is waived with a $500 Minimum Daily Balance
2. Monthly fee is waived with $10,000 or more in combined deposit balances, you're age 55 or older, or you have USE first mortgage.
3. Direct Deposit generally credited one business day prior to the designated payment date if provided by the employer. Actual deposit date is not guaranteed.