Click here to become a member of UECU

Have questions? Need help? Call 800-288-6423

1.15% APY Rewards PLUS Interest Checking

UECU's Rewards Plus CheckingAre you looking for an interest-bearing account with extra perks? UECU’s Rewards Checking PLUS Account will help you save money, earn rewards, and conveniently manage your finances anytime, anywhere. Plus, you’ll receive special benefits like Fee Forgiveness and higher ATM surcharge rebates.  


Have Questions? Need Help?
Call 800-288-6423

Click this button to get started

Rewards Checking PLUS Account Features:
Spacing image


  • High Dividend Earnings - Current rate up to 1.15% APY
  • Low initial deposit of $25
  • $500 minimum daily balance or electronic deposits totaling $500 a month into the Checking Account required to avoid $10 monthly fee
  • Direct Deposit available
  • Free Checks –First set of checks is free, plus one set per calendar year1
  • Free Advantages Visa® Debit Card™ with Personal Identity Theft Coverage2
  • Nationwide ATM Surcharge Rebates – Up to $12 per month
  • Fee Forgiveness3 – One NSF fee, Overdraft Transfer fee, or Minimum Balance fee waived per year 
  • Overdraft Protection available
  • 24-Hour Account Access with Advantages Online™& the UECU Mobile Banking App
  • Mobile Check Deposit
  • Convenient Mobile Pay Services with a UECU Debit Card and Apple Pay™, Android Pay™, or Samsung Pay
  • Free Online Bill Pay with eBills and Payment Reminders
  • .25% off new term loans4
  • Rewards – Earn 1 VantagePointfor every $4 Spent5 with your Advantages Visa® Debit Card™. Choose E-Statements for your UECU account and earn DOUBLE the reward points on your purchases.6 Points can be redeemed for cash-back, loan rate discounts7, and gift cards at many national retailers.
Surcharge-Free ATM Network
The following link is provided for
UECU Advantages Visa® Debit Card™ Holders.


1. Check styles are limited.
2. When you activate your Advantages Visa Debit Card™ you automatically receive Personal Identity Theft Coverage (at no cost to you), up to $2,500.00, to pay for expenses you may incur as a result of a Covered Stolen Identity Event. Identity Theft Coverage provided by Indemnity Insurance Co. of North America. Certain limits and restrictions apply.
3. Rewards Checking PLUS account holders can waive one NSF fee, overdraft fee, or minimum balance fee per 
calendar year. Fee Forgiveness must be requested by the account holder, it is not automatic.
4. An active UECU Checking Account (at least one transaction per month) provides a rate reduction of .25% APR that can be used on new term loans only. Rate reduction cannot be used on Visa Power Card™, Home Equity Loans, Mortgages, or Lines of Credit.
5. Earn 1 point for every $4 spent on signature‐based transactions. PIN‐based transactions do not earn VantagePoints™. Points are earned
net of credits.
6. Advantages Visa® Debit Card™ holders, who sign up for EStatements, earn 1 point for every $2 spent on signature‐based transactions. You must be enrolled in Advantages Online™ to sign up for EStatements.
7. Rate reduction can be used on a new loan only. Rate reduction cannot be used on Visa Power Card™, Home Equity Loans, Mortgages or Lines of Credit. Maximum loan principal limit of $100,000 when redeeming a VantagePoints™ rate reduction.

View the Truth and Savings Disclosure