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 Premier Checking
Overview Get a free account with no balance requirements. Get a free account with eStatements designed specifically for students. Earn dividends with this premium account.
Minimum Balance     $10,0002
Minimum Opening Deposit $100 $25 $100
Earns Dividends     Yes
Monthly Service Fee $0 $0 $151
Debit with Chip Technology Yes Yes Yes
Schedule of Fees & Charges View View View
  Open Now Open Now Open Now


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.

Must meet membership eligibility requirements. Message and data rates apply.
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.