Reduce non-sufficient funds and auto overdraft transfer fees

  • Download our mobile app to monitor balances on the go. 
  • Connect to online banking frequently to monitor balances. 
  • Set up free text or e-mail alerts when balances are low. 
  • Keep funds in savings to cover overdrafts ($5 transfer fee instead of an overdraft fee). 


Reduce or avoid non-UICCU ATM or PIN usage fee

  • Use UICCU owned ATMs or those that are part of the Allpoint ATM Network.
  • Select “credit” when using your debit card, or ask the merchant to process the transaction as they would a credit card.
  • Consider Rewards Checking. It refunds up to $10 of ATM fees each month, including the fees other banks charge to use their machines. 
  • Try to reduce the number of small cash withdrawals at ATMs. 


Reduce postage and paper statement expenses

  • Use our free bill pay feature to pay your bills electronically, and set up your loans to pay automatically within online banking.
  • Enroll in electronic "e" statements. You will get your statement days faster, you can store up to 15 months worth of statements securely, and the service is free.