Rewards Checking is a free checking account with extra perks that are easy to qualify for. If you use a debit card for everyday purchases, Rewards Checking is for you.
If you prefer a credit card for everyday purchases, R2 Checking is a better account for you.
R2 and Rewards Checking are profit sharing accounts. R2 generates more profit for our cooperative so it gets a bigger share of dividends.
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."”
Personal accounts only.
Limit one account per individual. Individuals may choose either a Rewards Checking or R2 Checking, but are not permitted to have both account types.
Primary account holder must be at least 18 years of age.
$50 initial deposit required.
New checking account is subject to credit approval, employment status, and valid identification that is at least 90 days old.
UICCU does not charge for the Mobile App, however your cell phone carrier may charge for text and data usage.
APY is Annual Percentage Yield as of 06-18-2019. Rate is subject to change after the account is opened. 1.75% APY paid on balances up to $20,000, and all ATM surcharges assessed by other institutions and UICCU usage fees will be refunded (up to $7) provided the following qualifiers are met each monthly qualification cycle: 1) Fifteen or more debit card purchases must post and clear the account and must average at least $10; 2) An ACH/Direct Deposit or ACH withdrawal of at least $100 must post and clear the account (internal transfers excluded). If qualifiers are not met, 0.01% APY will be paid on all balances and ATM surcharge and usage fees will not be refunded for that cycle. May choose between e-Statements (free) or paper statements ($2.50 per month). Fees could reduce earnings.