Checking Accounts

Our checking account is unbeatable! We offer several money-saving features that assist our members. Use your United Financial checking to make purchases, pay bills or get cash.

  • No minimum balance requirement
  • There is no minimum amount that needs to stay on deposit.
  • There are no fees regardless of your positive balance.
  • Easily re-order your checks online (click here)

No Monthly Fee

We do not charge a monthly fee for account maintenance.

No Per Check Charges

Unlike some institutions that allow so many free and then start charging per-check over a certain number, United Financial lets you write as few or as many and it doesn’t matter.

Free Monthly Statement

There is no monthly statement-processing fee. We will send you a statement of your Checking account free every month.

Earn Dividends

Dividends are posted on the last day of the month and are clearly itemized on your monthly statement. Dividends are earned on an average daily balance of $2,500 or more.

Fifty Free Checks

When you place your first order of checks with us (upon opening your new account), we will also order fifty checks for you for free to get you started.

Free Checks for Seniors

We offer one style of checks free of charge to members who are 64 years of age and older. {One free check order per year}

Duplicate Copies of Each Check

The checks we offer come with carbonless copies – so you’ll automatically write a non-negotiable duplicate every time you issue a check. Checks are not returned on a monthly basis – so these copies serve as receipts. For a small fee, check copies may be ordered for proof of payment.

Debit/ATM Card Access

Your Checking account and Debit/ATM Card go hand in hand. In fact, you will need a United Financial Checking account in order to use the Debit/ATM Card for debit transactions. Click Here to OPT IN for Overdraft Services

Balance Your Account with United Financial Virtual Branch Online Banking

United Financial Virtual Branch and U.S.24 Telephone Teller will give you the status of your account 24 hours a day, 7 days a week. You can transfer funds between accounts to cover checks or debits, monitor recent activity, and even reorder checks online. It’s a great compliment to your United Financial checking account!


IDProtect ®- Identity Theft Protection Service

Personal checking accounts at United Financial include IDProtect®- Identity theft monitoring and resolution service for you, your joint account holders, and eligible family members1 for a low monthly fee of $1.99.


Direct Rewards Checking

Our checking account is unbeatable! But we have made it even better!

Direct Rewards Checking can provide you an above market rate, plus reimburse you for ATM withdrawal surcharges you may receive from other locations.

Here is how it works!

You need to have:

  • Checking Account
  • Direct Deposit***
  • Virtual Branch
  • E-Statements
  • 12 Debit Card transactions
  • Pay 1 bill a month with Net Pay

You can:

  • Earn an above market rate on a monthly average daily balance up to $25,000 in your checking account
  • Get reimbursed for ATM withdrawal surcharge fees from other locations

Already use all of these services?

No problem, you will automatically receive the great rewards!

Missing a few of the services?

That’s ok too! Just give the credit union a call and we can get you set up!!

Direct Rewards Checking is for Personal Accounts only.
The maximum for ATM reimbursement is $25.00 per month. Debit Card use must be signature based (using your PIN code will not qualify). Debit Card Transactions must have a minimum transaction amount of $5.00 each. Debit Card transaction must clear the account by the end of the month to qualify for the 12 transactions.
If you do not qualify for Direct Rewards Checking in a given month, you will receive our Basic Checking; which includes dividends on balances over $2,500 and you will not receive any ATM withdrawal surcharge reimbursements.
***If you receive a direct deposit of your monthly Social Security payment into your sharedraft/checking account and do not want Courtesy Pay eligibility, you will need to contact us in order to formally stop paying your overdrafts with these funds.
1 IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members.  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered).   Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.