Checking Accounts
Show your pride, grow your balance, or keep it simple. UMCU's checking options are designed to match your lifestyle, with no monthly fees and exclusive debit card designs you won't find anywhere else.
Not sure what to choose? Let us help.
Go Blue™ Checking
- Gain Access to Exclusive Benefits & Events
- No Monthly Fee or Minimum Deposit
- Nationwide Fee-Free ATM Access
- Overdraft Protection Option
Related Resources
FAQs
It depends on your financial goals! The Platinum Optimum is great for establishing or rebuilding a credit score while the Platinum Cash Rewards gives you 1.10% back on EVERY purchase. Both of UMCU's Visa® credit cards provide below average interest rates*, so you win either way. Our team members are happy to help you decide. Give us a call, visit a branch, or send us a secure message in the online banking portal!
**Offer subject to credit approval. APR as low as 8.99%; maximum APR is 14.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.
**Offer subject to credit approval. APR as low as 8.99%; maximum APR is 14.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.
- Download a Mobile Wallet app on your smartphone.
- Add your UMCU credit card to the app.
- Use your mobile device to pay by tapping or swiping it against the store's payment terminal.