All the options you're looking for, and more

UTFCU has a variety of checking accounts to fit every member’s unique needs. And, whether you select our fee-free account, reward account, or any other option, you have the freedom to manage your funds from anywhere, with ease. Find the checking account that's right for you.

Simply U

UTFCU’s Simply U Checking account offers you accessibility, flexibility, and affordability with no minimum deposit balance requirements. This account has no monthly fee if eStatements are activated. 

Premier U

Premier U checking offers all the advantages of Simply U Checking but also pays dividends on all balances. Account holders also have access to discounts on airline tickets, cruises, theme parks, movie tickets, and much more! This account has a $5.95 monthly fee.

Premier U Plus

In addition to free checks, paper statements, cashiers checks, and money orders, this account also gives you the ability to earn dividends on daily balances. Discounts and returns on travel, entertainment, utility services, prescriptions, insurance, and much more through GenGold are also included in the Premier U Plus checking account. This account has a $9.95 monthly fee ($7.95 for Best Years Club member

U Rewards High Yield Checking

Earn higher dividends!

You can rack up the rewards with this checking account type*. There is no monthly fee and no minimum balance with this account. Earn a premium dividend rate, and free nationwide ATM use, when you:

  • Use your UTFCU debit card 20 times or more
  • Log in to Online or Mobile Banking
  • Have direct deposit
  • Maintain enrollment in eStatements.

U Rewards Cash Back Checking

Earn cash back based on debit card purchases!

This reward account is a great option for members who don’t prefer to carry large balances but still want the benefit of rewards. Earn 1% cash back on your purchases, up to $1,000 a month in purchases, and free nationwide ATM use, when you:

  • Use your UTFCU debit card 20 times or more;
  • Log in to Online or Mobile Banking;
  • Have direct deposit;
  • Maintain enrollment in eStatements.

Best Years Club

Over 55? You're automatically enrolled in our Best Years Club! Learn more here.

Checking Accounts
Effective Date: Wednesday, June 12th, 2024
AccountDividend RateAPY**
Premier U Share Draft 0.05% 0.05%
Premier U Plus Share Draft 0.05% 0.05%
U Rewards Share Draft*** 3.92% 4.00%

*Maintenance or activity fees could reduce earnings on the account.

**APY = Annual Percentage Yield. Shares insured up to $250,000 by the NCUA, an agency of the Federal Government. IRAs are insured for up to $250,000.

***This is a tiered account. The U Rewards dividend rate applies to balances up to and including $25,000. Balances in excess of $25,000 will earn the Premier U rate. This account has a variable dividend rate which is subject to change. ATM fees on qualifying accounts are reimbursed at the end of each month. If you do not meet the monthly U Rewards rate requirements (use your UTFCU debit card at least 20 times, Log in to online or mobile banking, have direct deposit, and maintain enrollment in eStatements), your account will earn the Premier U rate and you will not receive ATM fee refunds for that period. There is no minimum balance requirement. One account per individual taxpayer ID.

View Membership Agreement and Fee Schedule here