Money management made effortless.

Take control of your finances and reap the rewards with United Financial Credit Union’s checking and debit card solutions. Experience convenience, security, and flexibility like never before.

Make purchases? Check.

Pay bills? Check.

Get cash? Check.

When you need the speed of right now, you need the right debit card in your pocket.  Our checking account options come with options like no minimum balance requirements, no monthly fees, and exceptional rewards.

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

Free ATM Withdrawals

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

Rewards That Matter

Stay in control of your finances with our suite of digital banking tools, including online banking, mobile apps, and bill pay services.

Contactless Cards

MasterCardⓇ Contactless technology lets you make everyday purchases quickly and safely with just the tap of your debit card.

* 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.

We have a checking account for you!

Personal Checking Account

Enjoy a hassle-free checking account with no minimum balance requirement, no monthly fees, and unlimited check writing.

UFirst Rewards Checking

Choose from amazing rewards like 1% cash back or above market rates!

Fresh Start Checking Account

Rebuild or reestablish a positive checking account history with this account designed for those who have been denied checking accounts elsewhere.

UFirst Reward Checking

Personal Checking

Fresh Start Checking

Minimum Balance




Per Check Fee




Monthly Fee




Account Details →

Account Details →

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UFirst Cash Rewards Checking

Must meet monthly requirements to qualify for rate listed below.

Based on Average Daily Balance of :


$0 – $10,000


$10,001 and up


Rates effective as of November 15, 2023
Fees could reduce earnings

Helpful Financial Resources and Calculators

Online Banking

Manage your accounts from anywhere, anytime

Mobile Banking App

Stay connected to your finances on the go

Bill Pay Services

Simplify your bill payments and never miss a due date

Financial Education Resources

Learn how to make the most of your checking account and debit card

Boost your savings potential with a Certificate of Deposit!

Life is better when you’re a member.