Checking Accounts
Wouldn't it be great to have more time to actually enjoy your money instead of watching over your checkbook? With UCU's checking accounts, you choose the best option to manage your day-to-day finances.
Kasasa CASH BACK® checking!
What if you could earn 2.50%* cash back on purchases when you use your debit card? Now you can! No rotating categories – just earn 2.50%* on every purchase up to $10* per monthly qualification cycle and get your ATM fees refunded!* On top of that, there’s no monthly service fees and no minimum balance to earn your reward
- Earn 2.5% Cash Back on debit card purchases (up to $10 monthly)*
- ATM fee refunds nationwide (up to $25 monthly)*
- No minimum balance to earn rewards
- No monthly service fees
- Free Digital Banking
- Free e-statements
- Free Visa® debit card
Earning your rewards
To earn your rewards, simply meet the following criteria in your Kasasa Cash Back® account each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Be enrolled and receive e-statements
- Be enrolled and access Online Banking
That’s all! If you don’t qualify one month – no worries, there are no penalties, your account is still free and you can get right back to earning cash back the very next qualification cycle!
2023 Qualification Cycle |
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|---|---|---|
| January: Dec. 31 - Jan. 30 | February: Jan. 31 - Feb. 27 | March: Feb. 28 - Mar. 30 |
| April: Mar. 31 - Apr. 29 | May: Apr. 30 - May 30 | June: May 31 - Jun. 29 |
| July: Jun. 30 - Jul. 30 | August: Jul. 31 - Aug. 30 | September: Aug. 31 - Sep. 29 |
| October: Sep. 30 - Oct. 30 | November: Oct. 31 - Nov. 29 | December: Nov. 30 - Dec. 29 |
Get monthly cash rewards with free Kasasa Cash® checking
Does earning a little extra cash each month sound appealing? Choose free checking that pays really high dividends. Kasasa Cash® lets you earn up to 4.01% APY* on balances up to $10,000. Plus, we’ll refund your ATM fees nationwide.* So no more running around looking for ‘your’ ATM – use any of them!
Link your free Kasasa Cash® checking account to Kasasa Saver®, and your rewards become automatic savings. Just like that. No monthly service fees - no joke.
- 4.01% APY* on balances up to $10,000
- Balances over $10,000, earn 0.25% APY* on the portion of balance over $10,000
- 0.05% APY* on all balances if qualifications aren't met
- ATM fee refunds nationwide (up to $25 monthly)*
- Can link to high-dividends Kasasa Saver® account
- No minimum balance to earn rewards
- No monthly service fee
- Free online banking
- Free e-statements
- Free Visa® debit card
- Unlimited check writing
- No minimum deposit to open
- Earning rewards is cake
- To earn your rewards, simply do the following activities and transactions in your Kasasa Cash® account each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Be enrolled and receive e-statement notice
- Be enrolled and access online banking
- Have at least 1 bill pay transaction or 1 automatic payment (ACH) post and settle
- And, that’s it! Don’t sweat it if you don’t qualify one month. Your account will still earn 0.05% APY* - and it’s still free. Plus, you can get right back to earning a higher rate the very next qualification cycle!
2023 Qualification Cycle |
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|---|---|---|
| January: Dec. 31 - Jan. 30 | February: Jan. 31 - Feb. 27 | March: Feb. 28 - Mar. 30 |
| April: Mar. 31 - Apr. 29 | May: Apr. 30 - May 30 | June: May 31 - Jun. 29 |
| July: Jun. 30 - Jul. 30 | August: Jul. 31 - Aug. 30 | September: Aug. 31 - Sep. 29 |
| October: Sep. 30 - Oct. 30 | November: Oct. 31 - Nov. 29 | December: Nov. 30 - Dec. 29 |
Qualifications Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by University Credit Union as ATM transactions and purchases made with non-University Credit Union issued debit cards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.
Reward Information: When your Kasasa Cash® account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s):
- Kasasa Cash®: (1) Balances up to $10,000 receive APY* of 4.01%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 4.01% to 0.59% APY depending on the account’s balance and
- Kasasa Saver®: (2) Balances up to $15,000 receive APY of 1.50% and balances over $15,000 earn 0.25% interest rate on the portion of balance over $15,000, resulting in a range from 1.50% to 0.41% APY depending on the account’s balance.
- ATM Fee Reimbursements: You will receive reimbursements up to $25 ($4.99 per single transaction) for domestic ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM fees of $5.00 or higher.
When Kasasa Cash® qualifications are not met ATM fees are not refunded and all balances in your Kasasa Cash® account and in your Kasasa Saver® account earn 0.05% APY* and 0.05% APY, respectively, and the interest earned in your Kasasa Cash® account is automatically transferred to your Kasasa Saver® account. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash® account on the last day of Statement Cycle and then automatically transferred to your Kasasa Saver® account on the following day.
* When linked to the Kasasa Saver® account, the dividends earned within the Kasasa Cash® account does not compound since it is automatically transferred to the Kasasa Saver® account. Consequently, when linked to Kasasa Saver®, and your Kasasa Cash® qualifications are met, balances up to $10,000 in your Kasasa Cash® account receive a non-compounding APY of 4.01%; and balances over $10,000 earn 0.25% interest rate on the portion of the balance over $10,000, resulting in a non-compounding range from 4.01% to 0.59% APY depending on the account’s balance. When your Kasasa Cash® qualifications are not met, all balances in the Kasasa Cash® account earn a non-compounding APY of 0.05%. The Kasasa Saver® APYs may be less than the Kasasa Cash® APYs. APY = Annual Percentage Yield. APYs accurate as of 01/01/2023. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Rewards may vary by account. No minimum deposit is required to open the account. Monthly ACH credit, enrollment in online banking, receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit one Kasasa Cash® and one Kasasa Saver® per prime member and per primary account. A Kasasa Cash® account is required to have a Kasasa Saver® account. A linked Kasasa Saver® account is required for automatic savings. Contact a University Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.
Whether you are opening your first bank account or starting your first job, we want to be there for you on every step of the way. That is why we have created our first teen checking account, U First. This checking account is for UCU members 13 - 17 years old and offers the following awesome benefits:
- No minimum balance requirement
- No monthly service fees
- 2 Oops Passes per year
- Free online financial education with U Financially Fit Teen
- Easy to set up direct deposit
- Large surcharge-free ATM network with UCU and SURF ATMs
Open your account in branch, or give UCU a call 800.696.8628 or text 207.889.8600 (M-F 8-5).
Custom Checking
Custom Checking offers impressive features to help you manage your money conveniently. Best of all, there's no minimum balance and no monthly service charge!
- FREE ATM / VISA® Check Card
- FREE Access to Online Banking
- FREE Access to the UCU Mobile App
- FREE Bill Payer
- FREE eStatements
- FREE Unlimited check imaging
- FREE Teller Phone
- Optional overdraft protection
free4ME Checking
This account is for young adults from 18-25 years of age and offers all the great features and benefits of our Custom Checking with some added perks designed specifically for young adults.
- FREE access to Digital Banking
- FREE eStatements
- FREE Visa® Debit Card
- FREE Oops! Pass (for life's little mistakes, twice per year, requested by you, the member)
Premier Checking
Premier Checking delivers more value to you by offering all the features of Custom Checking, with the benefit of earning dividends. All you have to do is maintain a minimum balance of $10,000.