Go Blue™ - Basic Checking

It's the perfect account for Michigan Wolverines and fans. It's all the basics and a lot more.

Interest Checking Accounts

It's a full-service checking account with an extra advantage. You'll make the most out of every dollar when you earn interest on your deposits.

Debit Cards

Easily access your funds wherever you go. Withdraw money from ATMs and make purchases worldwide.

UMCU Checking Accounts

  Go Blue Checking Interest Checking

Monthly Fee

N/A

$8.00 if balance falls below $500

Rate

0%

Tiered Based on Balance

  • $2,000-4,999 - 0.05% APR
  • $5,000-9,999 - 0.06% APR
  • $10,000 - 24,999 - 0.07% APR
  • $25,000+ - 0.08% APR

Minimum Balance

N/A

$2,000 to earn interest

Debit Card

Yes - free

Yes - free

Overdraft Protection Available

Yes - No opt-in fee
$2 fee for each transfer from another account
$30 fee for each Courtesy Pay

Yes - No opt-in fee
$2 fee for each transfer from another account
$30 fee for each Courtesy Pay

Online Banking and Mobile App Access

Yes - free

Yes - free

Bill Pay

Yes - free

Yes - free

Online Check Images

Yes - free

Yes - free

eStatements

Yes - free

Yes - free

Online Check Recordings

Yes - free

Yes - free

 

Credit Cards

Whether you're looking for a lower interest rate card or on with a cash-back bonus, UMCU has credit card options that will fit your needs. 

Learn More

Courtesy Pay

Courtesy pay is an additional service provided to members to use in case of an emergency. This can be used when writing a check, authorizing an ACH transaction or using your debit card. If funds are not available for any reason, Courtesy Pay will cover your purchase.

Learn More

Overdraft Protection

Sometimes the unexpected happens, and UMCU’s Overdraft Protection can help you manage those moments and gain peace of mind. This service will automatically transfer funds from your UMCU savings if there’s not enough funds in your checking account to support an upcoming transaction.

Learn More