Access Checking is designed to help members rebuild their credit score.

At UICCU, we work with our members to improve your credit and your finances. That’s why we offer Access Checking. It’s an affordable alternative to high-cost check cashing stores who gouge their clients with fees. With Access Checking, you’ll have access to our free online money management tools to track your spending and set-up alerts when balances are low. Plus there is no minimum balance and you’ll receive many free extras, including:

  • No minimum balance requirement
  • Free Online Banking with Bill Payer and MyFi360, UICCU's personal finance management tool
  • Free Debit Card
  • Free Mobile Banking access with our UICCU app*
  • Free Mobile Remote Deposit Capture (deposits via your mobile device)
  • Free Zero Liability Fraud Protection & Fraud Text Alerts
  • e-Alerts that warn you when balances are low
  • Free e-Statements
  • Unlimited access to all UICCU ATMs including 43,000 ATMs nationwide 
  • Award-winning LOCAL service
  • NCUA insured up to $250,000


To open an Access Checking Account, you must: 

  • Open a savings account with a minimum balance of $5
  • Deposit a minimum of $50 to open your new checking account
  • New checking account is subject to credit approval, employment status, and valid identification that is at least 90 days old. 
  • Pay a monthly fee of $4.75 + tax (automatically charged on the last day of each month)
  • Be at least 18 years of age or a cosigner is required on the account 


Open an Account


e-Statements are free for all accounts. Members who opt to receive paper statements will be charged a fee of $2.00 per month.

UICCU does not charge for the Mobile App, however your cell phone carrier may charge for text and data usage.