Checking Accounts

Find Freedom in Everyday Finances with UFCU

Free Checking

$25 to open

$0 monthly service fee

$1 ATM transaction fee waived for Austin and Galveston Alliance ATMs

$2,000 ATM daily cash limit

Plus Checking

$2,500 in combined balances* 

$10 monthly fee if combined month-end balances fall below $2,500*

$1 ATM transaction fee waived for Austin and Galveston Alliance ATMs

$2,000 ATM daily cash limit

Monthly dividends up to 0.01% APY

Teen Checking

$25 to open

$0 monthly fee

$500 ATM daily cash limit

Monthly dividends up to 1.50% APY

ABILITY® Account

$25 to open

$5 monthly service fee

$1 ATM transaction fee waived for Austin and Galveston Alliance ATMs

$1,000 ATM daily cash limit

Checking, the Credit Union Way

At UFCU, you’re a partner, not an account number. Excellent service for our Members is the cornerstone of all our checking accounts, along with free features and benefits:

  • Instant-issue VISA® debit card
  • 24/7 account access with secure digital banking services
  • Worry-free banking with account alerts
  • Free, easy bill pay with Online Banking
  • Automated eStatements
  • Free access to cash at over 300 UFCU and Credit Union Alliance ATMs

More UFCU Member Services

Know Where Your Money Is

Stay on top of spending and keep your accounts secure. Sign up for UFCU Account alerts or register your VISA® debit card for Visa Purchase Alerts. These free services could not be simpler: You provide your contact information. You define the criteria that triggers an alert. You stay informed.

Instant Card-Carrying Membership

Get your VISA® debit card issued on the spot when you open a checking account with UFCU.

  • Accepted everywhere VISA® debit cards are accepted
  • Use at non-UFCU ATMs for a minimal $1 fee

Branch Out with Online Banking

View and download account info and transactions, pay bills for free, and transfer money, 24 hours a day.

Learn more


* Savings, Checking, Money Market, Certificates of Deposit, and IRA Accounts combined under one account number.

† Limits subject to change.

APY = Annual Percentage Yield

Order Checks

OrderMyChecks.com
UFCU routing number 314977405

Stay balanced

Use this calculator to reconcile your checking account.

 
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Outstanding Checks
In your check register mark all checks paid. To the right, list checks outstanding not yet charged to your account.
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Amount
 
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