Checking Options

Rewards Checking Account
Rewards Checking Plus Account
Second Chance Checking Account
Compare Checking Account Features
Checking Account Features Free Checking Interest Checking
Interest-bearing Non-interest bearing Earns high-yield interest
Minimum balance or deposit required to avoid monthly fee No minimum balance
No monthly fee
$500 minimum daily balance or electronic deposits totaling $500 a month into the Checking Account (to avoid $10 monthly fee)
Minimum opening deposit $25 $25
Free Checks First set free First set free, plus one set per calendar year1
Free Advantages Visa® Debit Card Yes Yes
VantagePoints™ available with a Visa Debit Card2 (Choose E-Statements & Earn Extra Reward Points3) Yes Yes
Nationwide ATM Access Yes Yes
ATM Surcharge Rebates Up to $8 per month Up to $12 per month
Fee Forgiveness4 No Yes
Overdraft Protection Available Yes Yes
24-Hour Account Access with Advantages Online™ & the UECU Mobile Banking App Yes Yes
Mobile Check Deposit Yes Yes
Convenient Mobile Pay Services with a Visa ® Debit Card™ and Apple Pay™ , Google Pay, or Samsung Pay Yes Yes
Free Online Bill Pay with eBills & Payment Reminders Yes Yes
Personal Identity Theft Coverage with a Visa Debit Card 5 Yes Yes
Direct Deposit Available Yes Yes
.25% Off new term loans6 Yes Yes

Have questions? Call 800.288.6423 

For rates and disclosure information, click here.

1. Check styles are limited. 2. Earn 1 point for every $4 spent on Visa purchases. ATM cash transactions or cash advance transactions are not eligible to earn points. Points are earned net of credits. 3.Advantages Visa® Debit Card™ holders, who sign up for E‐Statements, earn 1 point for every $2 spent on Visa purchases. You must be enrolled in Advantages Online™ to sign up for E‐Statements. 4.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. 5.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. 6. An active UECU Checking Account 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. This credit union is federally insured by the National Credit Union Administration. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Are you looking for a hassle-free checking account with no minimum balance requirements? UECU’s Rewards Checking Account makes managing your finances simple – avoid monthly service fees, earn reward points on your daily purchases, and enjoy the convenience of anytime banking.  


Ready to Get Started?
Call 800.288.6423 or Open Your Account with Advantages Online™.
Open Account Learn More

Forms and Disclosures

Advantages Visa Debit Card

Earn Up To 1.50% APY*

Are 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.

Ready to Get Started?
Call 800.288.6423 or Open Your Account with Advantages Online™.

Open Account Learn More

Forms and Disclosures

*APY=Annual Percentage Yield. 




Advantages Visa Debit Card

This is the perfect account to help you rebuild a solid checking history! UECU’s Advantages Green Light Checking™ is an account without outrageous fees or high balance requirements. With this account, you’ll enjoy the functionality of a standard checking while building a stable future.


  • Use your Quick Cash Card at any ATM and we won’t charge you and when others do we will rebate up to $8 per month in ATM surcharge rebates
  • Free REACH™ credit counseling to help you build better credit
  • UECU acknowledges your hard work in re-establishing yourself, so after six months of good standing you may be able to upgrade to one of our Rewards checking accounts


Ready to Get Started?
Call 800.288.6423 or Open Your Account with Advantages Online™.
Open Account Learn More

Forms and Disclosures


Quick Cash Card

At Utilities Employees Credit Union we are actively working to increase accessibility and usability of our website for every visitor in accordance with ADA standards and guidelines. If you are using an auxiliary aid or a screen reader and need assistance please visit our accessibility page and use the contact information to be connected to a UECU Representative.
All products and services available on this website are available at Utilities Employees Credit Union at 11 Meridian Boulevard in Wyomissing, Pennsylvania.

Federally Insured by NCUA

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