It seems like everyone is offering "free" checking these days. The trouble is, when you get beyond the initial few freebies, you're not getting much. We decided to make our Free Checking different, and load it up with extra benefits. 


  • No minimum balance requirement 
  • Free Debit Card 
  • Free Online Banking with Bill Payer and MyFi360
  • 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 
  • Free e-Statements 
  • Free e-Alerts that warn you when balances are low 
  • Free access to UICCU ATMs including 43,000 ATMs nationwide 
  • Best Rate Guarantee on CDs and IRAs
  • Overdraft Privilege available 
  • Award-winning LOCAL service 
  • NCUA insured up to $250,000 


Open an Account


$50 initial deposit is required. 

New checking account is subject to credit approval, employment status, and valid identification that is at least 90 days old.

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.

Best Rate Guarantee: If you find a better advertised yield on a CD or IRA at a financial institution based in the counties we serve, the UICCU will beat it. Guarantee available for a limited time only. Applies only to CDs or IRAs with comparable terms and conditions. Does not apply in those cases where the credit union does not offer a comparable product. Not available to public organizations or other financial institutions. Maximums apply.