Checking Accounts
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.
New Exclusive Member Perks
Unlock more than just great rates. Your UMCU debit card is now your passport to exclusive travel, dining, and entertainment benefits.
UMCU Visa® Debit Card Perks
Booking.com
Plan your next getaway with ease and earn while you explore. UMCU cardholders can now access up to 8% in Travel Credits3 when booking accommodations through Booking.com.
How to Access
Use the exclusive link, sign in or create a Booking.com account, and pay with an eligible UMCU Visa® card.
OpenTable
Never miss out on the best flavors in town. With your UMCU card, you can unlock exclusive primetime reservations4 at the most sought-after restaurants via OpenTable.
How to Access
Complete eligibility verification with your UMCU Visa® card on OpenTable.
Roadside Dispatch
All UMCU cardholders now have 24-hour access to roadside assistance. While there are additional costs for specific services, the dispatch support is available to our members whenever they need it.
How to Access
Simply call 1-800-847-2869! For more details on services provided and terms & conditions, view the disclosure.
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
Disclaimer
1Free, unlimited access to more than 30,000 ATMs that are part of the CO-OP ATM network. UMCU does not charge a fee for ATMs within the CO-OP network; however, vendors may charge a convenience fee for using the ATM. This is beyond UMCU's control.
2Overdraft Protection is available with no opt-in fee. $2 fee for each transfer from another account. $30 fee for each Courtesy Pay.
3Eligible U.S. and Canadian Visa cardholders can earn up to 8% in Travel Credits (max $230 per transaction) on qualifying hotel stays booked through the exclusive Booking.com link using their eligible Visa card. Credits are awarded only after the stay is completed and the supplier verifies checkout. No credits for no-shows or canceled bookings. Credits are deposited into the Booking.com Wallet 30–60 days after checkout (sometimes up to 64+ days). Credits can be redeemed for future stays, select flights, car rentals, attractions, taxis, and insurance on Booking.com where Wallet payments are accepted. Bookings paid with previously earned Travel Credits do not earn additional credits.Bookings must be made with the eligible Visa card and a Booking.com account is required. Exclusions: Flights, flight+hotel packages, car rentals, cruises, attractions, airport taxis, and bookings paid directly to third parties are not eligible. The offer is available starting 5/11/2025 and is subject to modification or cancellation without notice. The maximum reward is $230 per transaction.
4Cardholders may be required to complete eligibility verification with their Visa card on OpenTable. Eligibility is checked at card verification and every 24 hours when visiting OpenTable properties. If eligible, cardholders are granted access to the Visa Dining Collection OpenTable Benefit, which may include access to primetime reservations at participating restaurants. Cardholders must go through the verification flow to receive eligibility status notification. The benefit is subject to modification or cancellation without notice and is void where prohibited.