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Basic Checking

Everything you need from a checking account, absolutely free.

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A Truly Free Checking Account

Banking should be simple, and with Basic Checking, you get exactly that. Enjoy a truly free checking account with no monthly fees, no minimum balance requirements, and all the essential tools you need to manage your money with ease. Whether you’re paying bills, making everyday purchases, or accessing your funds, Basic Checking gives you the flexibility and security you need. 

Having a checking account is essential for managing day-to-day finances. From receiving direct deposits to paying bills or making quick purchases, a reliable checking account provides the foundation for financial success. Basic Checking ensures that you have everything you need without extra costs or unnecessary complications.

The convenience of mobile banking allows you to track expenses, set savings goals, and build financial independence. For those just starting out in their careers, this account ensures they have a secure and accessible place to receive direct deposits and manage day-to-day transactions.

Download the UCCU Mobile App

Benefits:

  • No Monthly Fees: Enjoy truly free checking with zero maintenance fees. Every dollar you deposit is yours to use however you see fit, making it an excellent option for those who want to avoid unnecessary expenses.
  • No minimum Balance Requirement: Keep as little or as much as you need. With Basic Checking, there are no restrictions on your balance, allowing you to manage your money freely without stress or penalty. Whether you’re saving up or withdrawing frequently, this account adapts to your lifestyle. 
  • Online and Mobile access anytime anywhere: Secure 24/7 access with bill pay, transfers, and more. Check your balance, set up automatic payments, transfer funds between accounts, and receive real-time alerts whenever there’s activity on your account. No matter where you are, you can always manage your money with confidence.
  • Direct Deposit and Mobile Check: Get paid faster and deposit checks anytime with ease. Skip the hassle of visiting a branch by enrolling in direct deposit and using our mobile check deposit feature. Your paycheck will be available in your account sooner, and you can deposit checks with just a few taps on your smartphone.

Security Features: 

  • 24/7 Fraud Monitoring: Our system constantly analyzes transactions to detect any suspicious activity. If suspicious activity is detected, our team will notify you immediately and take proactive steps to secure your account. With real-time monitoring, your money stays protected at all times.
  • Real-Time Alerts: Get notified instantly about withdrawals, deposits, or unusual transactions. Whether it’s a deposit, withdrawal, or an unusual transaction, you’ll receive real-time alerts to keep you aware of what’s happening with your account.
  • Instant Issuance: Lost a card? You’re not the only one. Get a new card the same day! No need to wait for days to receive a replacement—simply visit a branch, and you’ll walk out with a brand-new card ready to use. This ensures uninterrupted access to your funds and prevents delays in payments or purchases. 

Why a Basic Checking Account?

This account is perfect for students, young adults, and anyone who wants a reliable, fee-free way to manage their money. For students, it provides a simple and effective way to manage finances without worrying about extra fees or complex requirements.

We’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.

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