There are no hoops to jump through to make it free. It's just free. No monthly service charges to waive. No minimum balance requirements. It comes with free tools and services to help you manage your finances. The downside is that you won't earn any interest on your balance. We offer two profit sharing accounts that pay dividends on balances. Those accounts have no monthly service fee or balance minimums and they have great rewards when you meet basic activity requirements. Do you want to earn rewards for using your account? Rewards Checking or R2 Checking might be a better account for you.
Great question! We encourage anyone who doesn't already have a profit sharing checking account to open a Rewards Checking or R2 Checking account. They offer great rewards when you meet basic activity requirements and they're still free even if you don't meet the requirements in a given month, you just don't get the reward that month. Free Checking is great as a second account or as a joint account because you can only have one Rewards or R2 account per individual.
No, there is not any dividend reward. We offer other accounts that pay great profit sharing dividends. If you don't already have a Rewards Checking or R2 Checking account we suggest opening one first as your primary account. You're welcome to open a free checking account as your primary account, you can always convert it to a Rewards or R2 account at a later date if you change your mind.
All UICCU checking accounts come packed with free tools and features to help you manage your finances including online banking, our mobile app, mobile pay and bill payer. Scroll down to see a list of tools included with every account. The only thing that isn't free are paper statements. We like to avoid paper waste whenever possible so e-Statements are free for everyone but members who opt to receive paper statements are charged a $2.50/month paper statement fee.
Membership is open to:
Every UICCU Checking Account comes loaded with free tools and features to help you manage your finances with ease.
Online banking in your pocket! You can choose to sign in with your fingerprint (when available), deposit checks with your phone's camera, and stay on top of your finances on-the-go.
UICCU credit and debit cards can be used with your mobile wallet. You can load your card(s) onto your phone and make purchases at participating merchants wherever you see the contactless payment icon. Supported wallets include: Apple Pay, Android Pay, and Samsung Pay.
UICCU Mastercard Debit Cards include extended warranty benefits, identity theft resolution assistance, price protection and more.
Schedule instant transfers to pay bills. You can even have a check put in the mail when direct payment options aren't available.
Take charge of your finances and budgeting. Connect MyFi360 to your accounts at any institution, set budgets, track cash flow and hit your goals.
Need to know when you're running low on funds? We can alert you. Want to know when there's any transaction over $100? We can alert you. Want to know when your card is used in a "card not present" transaction? We can alert you then too.
Mistakes happen. We'll let you choose how we should handle them.
This is where I’m at home. UICCU has been a part of our family for over 40 years. My husband was fresh home from Vietnam, we moved up here for him to go to school. The credit union was always in the background helping us achieve our goals. From buying that first car to that first mortgage. I don’t know where we would have been had they not been willing to help us, all along the way.”
My husband and I are owner operators, meaning we own a semi and we haul products from point A to point B. If my husband does not run, we don’t get paid. When he was in an accident, the credit union had our back and we went to them and they did not hesitate to get us back on the road. They saw the situation and made us feel important, that we mattered. UICCU is family, I would never go anywhere else.”
I’m a neuroscientist studying to get my PhD at the University of Iowa. I discovered UICCU when I was looking for a house. The experience at first was scary because I had no clue what I was doing but UICCU really walked me through the process. I feel like I was cinderella and UICCU was my fairy godmother who led me to my prince charming, which happens to be my house. Without UICCU I would be giving up my money and now I get to save my money and put it into my dreams.”
UICCU really means family, so they know you personally and they utilized that information to help you make good decision financially. I started a business that allows me to do what I’m passionate about everyday: work with kids and work with basketball. With the career change the first step we did is went to go to meet with the credit union. They’ve helped us through every change that our life has brought us. I feel like we’re ‘Darryl and Shawna’ and not a number, I feel like I’m a person at the credit union."”
$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 $2.50 per month.
UICCU does not charge for the Mobile App, however your cell phone carrier may charge for text and data usage.