Checking Accounts
Expect more from your bank account
Banking Looks Different for Everyone
The right checking account should support the way you manage money today while helping you prepare for what’s next. Whether you’re opening your first account, simplifying your finances, or looking for additional banking features, we offer options designed to meet a variety of needs.
Every member’s financial situation is different. That’s why we provide several checking account choices, allowing you to select the account that best aligns with your goals, lifestyle, and banking preferences.
As you compare accounts, consider how you typically use your checking account, the services that matter most to you, and the features that can help make everyday banking more convenient.
Review the options below to compare features and benefits across our checking accounts. If your needs change over time, we’re here to help you make adjustments along the way.
An Account Made For You
Contact your local UCCU expert to find a checking account that works for you and your needs.
(801) 223-8188 | Branch Locations
Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday hours vary per Branch Location
UCCU Checking Account Options
Feature
Feature
Basic Checking
Elevated Checking
Elevated Plus Checking
Cost per Month
$0
Easily waivable $6/Month. Free ages 18-26
$10
Lifestyle Benefits
Cell Phone Protection
(up to $1,000 in replacement coverage)
(up to $1,000 in replacement coverage)
Roadside Assistance
(24/7 roadside assistance)
(24/7 roadside assistance)
Telehealth
(Zero cost doctors & prescriptions. Discounts for the entire family)
(Zero cost doctors & prescriptions. Discounts for the entire family)
Learn & Earn
(financial education & gift cards)
(financial education & gift cards)
Security Benefits
Dark Web Monitoring
(Monitoring personal info on the dark web)
(Monitoring personal info on the dark web)
Identity Protection
(Suite of services to protect your identity)
(Suite of services to protect your identity)
Identity Monitoring
(Protection against 1,000 suspicious databases)
(Protection against 1,000 suspicious databases)
ID Theft Resolution
(Coverage to restore identity if victimized)
(Coverage to restore identity if victimized)
Account Benefits
Interest on Checking
Free ATMs Nationwide
(30,000 COOP ATMs)
(30,000 COOP ATMs)
0.25% Loan Discount
(Auto, RV, and Personal)
(Auto, RV, and Personal)
10% Credit Card Cash Back Boost
Credit Score, Monitoring
(Savvy Money)
(Savvy Money)
Overdraft Forgiveness
(2 per Year)
(2 per Year)
2 Day Early Direct Deposit
Online & Mobile Banking
Mobile Banking App, Zelle®, Mobile Deposit, Mobile Wallet, Bill Pay, 360-View Account Aggregation & More!
Mobile Banking App, Zelle®, Mobile Deposit, Mobile Wallet, Bill Pay, 360-View Account Aggregation & More!
Ready to choose your checking account?
Basic Checking
The essentials of a checking account with free online and mobile banking that are best of class.
Explore Content
Elevated Checking
A rewards checking account that offers more benefits, more savings, and more online protections than ever before.
Explore Content
Elevated Plus Checking
Enjoy everything that Elevated Checking offers, plus additional benefits like earning dividends on your checking balance.
Explore ContentAt UCCU, Every Checking Account Includes…
Free VISA Check Card,
Related Information
Youth Checking
Help kids and teens learn smart money habits. Parents can easily track spending while kids and teens enjoy the convenience of their own debit card.
Explore Content
UVU Student Checking
A strong start for your finances. Get the essentials to manage your money, stay on track, and access tools that support your goals now, and after graduation
Explore Content
4-3-2-1 Everyday Cash Back Card
This card rewards the purchases that keep your household running, with cash back on subscriptions, utilities, and other everyday spending.
Explore ContentWe’re here to help
Call or Text
(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm
Submit a Question to our Support Team
or send us a message from inside online banking.