Finding the right UCU checking account that fits your needs.

Exploring UCU’s Checking Account Options: Finding Your Perfect Fit

September, 2023

Choosing the Right Fit for You

Selecting the best UCU checking account for you depends on your lifestyle and financial goals. Here are a few steps to help you make an informed decision:

  • 1. Assess Your Spending Habits: Consider whether you frequently use your debit card for purchases or if you tend to maintain a higher account balance.
  • 2. Evaluate Your Financial Goals: Determine whether you prioritize cash-back rewards or earning higher interest dividends.
  • 3. Analyze Fees and Rewards: Compare each checking accounts features, rewards, and if there are any fees for certain services to see which aligns best with your needs.
  • 4. Consider Overdraft Protection: If overdraft protection is essential to you, review the options available with each account type.
  • 5. Think Long-Term: Consider how your banking needs might evolve in the future and choose an account that can grow with you.

University Credit Union’s range of checking account options, including Kasasa Cash Back®, Kasasa Cash®, Custom Checking, and Free4Me, Premier Checking, and U First Teen Checking offer something for everyone. By assessing your financial goals and comparing the features of each account, you can confidently choose the UCU checking account that best fits your unique lifestyle and needs.

Kasasa Cash Back®: Embrace the Power of Cash Back Rewards

The Kasasa Cash Back® account could be your perfect match for those who appreciate being rewarded for everyday spending with their debit card. With this account, you can earn cash back on debit card purchases, providing a seamless way to earn while you spend.

Kasasa Cash®: Earn REALLY HIGH Rewards

If you’re interested in earning higher interest on your checking account balance, the Kasasa Cash® account might fit you. With this account, your funds can grow at a faster rate than with traditional checking accounts with a much higher rate of return (Annual Percentage Yield). This makes Kasasa Cash® an excellent choice for those who maintain a higher account balance.

Custom Checking: Tailor-Made to Suit Your Needs

UCU’s Custom Checking account is designed for individuals who aren’t interested in earning rewards, but value a straight forward checking account with all of the modern conveniences, such as Debit Cards, Digital Banking, Bill Pay, eStatements, and more.

Free4Me: Simple Banking for Members Age 18-25

Free4Me is an excellent choice for young adults seeking a checking account with all of the modern conveniences, such as Debit Cards, Digital Banking, Bill Pay, eStatements, and a free “Oops! Pass” which can refund an overdraft fee twice per year.

Premier Checking: Simple Value with Added Dividends

Premier Checking offers all of the value of Custom Checking, with the added benefit of earning dividends for maintaining a minimum balance of $10,000.

U First Teen Checking: Designed for Members Aged 13-17

This account keeps busy teenagers on the go with access to our great mobile app, a debit card, and 2 “Oops Passes” a year.

To learn more and open an account, visit Remember, your checking account is a financial tool that can help you manage your money effectively, so take the time to make the right choice for a brighter financial future.

Federally Insured by NCUA