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UFirst Elite Checking Account

Maximize Your Checking!

Let your Checking Reward YOU!  It’s easy to get started and easy to earn rewards, just by doing normal banking activities each month. With a UFirst Elite Checking Account it’s easier to protect your finances, save money and enjoy your life.


Enjoy no surcharge on thousands of ATMs across our CO-OP network.


UFirst Elite Checking comes with Identity Theft Monitoring and resolution services.


You can Earn Monthly Rewards on your Elite Checking PLUS additional perks available only to Elite Checking Members!

Be Safer. Spend Smarter.

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.
  • Easily re-order your checks online (click here)

Enjoy these great account benefits

Earn an Above Market Rate*

Earn an above market rate and ATM reimbursements on your Elite Checking, if you meet the monthly qualifications.

IDProtect – Identity Theft Monitoring and Resolution Service**

UFirst Elite Checking comes with IDProtect services. Click here to view full benefits included. 

Cell Phone Protection***

Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged.

Additional Elite Perks

One Free Custom Debit Card per year, 1/2 off a skip a pay per year, One Free Coin Counting per year

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.

Free Checks

Receive Free Basic checks, whenever you need them.

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 Online Banking

United Financial Digital Banking 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!

Low Monthly Fee

A $3.99 monthly fee will apply

Monthly Requirements

You need to have:

  • A UFirst Elite Checking Account
  • Direct Deposit
  • Online Banking or Mobile Banking (log into at least once a month)
  • E-Statements
  • 15 Debit Card transactions that are greater than $5.00
Elite Checking FAQ

Q: What happens if I don’t meet the qualifications this month for the UFirst Elite Checking?
A: If you do not qualify for a UFirst Elite Checking in a given month, you will still remain in that reward level but your account will not receive the monthly reward and you will not receive any ATM withdrawal surcharge reimbursements. You do not need to re-enroll in the UFirst Elite Checking account. If you qualify next month, you will receive your rewards.

Q: Can I qualify for multiple UFirst Elite Checking accounts?
A: No, you can only have one UFirst Elite Checking account per SSN..

Q: Can I qualify for a UFirst Elite Checking account on my Business Account?
A: No, UFirst Elite Checking accounts are for Personal Accounts only.

Is membership for you? See the benefits now!

* Interest paid on the first $10,000. Monthly financial features required for the interest benefit. Maximum ATM reimbursement is $25.00 per month. Debit card transactions must have a minimum transaction amount of $5.00 each. Debit card transactions must clear the account by the end of the month to qualify.

**Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable benefits. Some benefits require authentication, registration and/or activation.  Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.

** Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. All Insurance documents and Guide to Benefits can be found online at UnitedFinancialCU.ClubChecking.com or through the Club Checking mobile app. Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate.

***Cell Phone Protection: receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S and abroad. $50 deductible applies. Up to two claims and maximum of $1,000 per eligible account, per twelve-month period. Covers up to four phones on a cell phone bill. Cell phone must be paid through eligible account.