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Basic Checking

Everything you need from a checking account, absolutely free.

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Checking Made Simple

Basic Checking gives you the essentials without extra costs or complicated requirements. There are no monthly maintenance fees and no minimum balance, so you can spend less time worrying about your account and more time focusing on what matters. Whether you’re getting your first paycheck, paying bills, shopping online, or managing everyday expenses, this account makes it easy to stay on top of your money.

You’ll also have access to digital banking tools that let you check balances, transfer money, pay bills, deposit checks, and monitor your account from almost anywhere. Direct deposit helps you receive your paycheck electronically, while built in security features help keep an eye on your account around the clock. If your debit card is ever lost or damaged, you can visit a branch and receive a replacement card the same day. Basic Checking is designed to keep banking straightforward so you always have quick, secure access to your money without paying for features you don’t need.

Download the UCCU Mobile App

No Monthly Fees

Keep more of your money with a checking account that has no monthly maintenance fees.

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No Minimum Balance

Your balance is up to you. There are no minimum balance requirements to maintain your account.

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Digital Banking

Pay bills, deposit checks, transfer money, and manage your account from your phone or computer.

Everything You Need for Everyday Banking

A checking account is where your money works every day. It’s where your paycheck can be deposited, bills can be paid, purchases can be made, and transfers can happen in just a few taps. Basic Checking gives you the tools to handle everyday banking without adding unnecessary costs. Whether you’re opening your first account or simply want a straightforward way to manage your finances, you’ll have access to the features people rely on most.

Security is built into every account. Fraud monitoring helps identify unusual activity, and account alerts can keep you informed about deposits, purchases, and withdrawals. Mobile check deposit saves trips to a branch, while online and mobile banking let you manage your money whenever it’s convenient. If your debit card is ever lost or stolen, many branches can issue a replacement card during your visit so you can get back to your day. With simple features, easy access, and no monthly fees, Basic Checking helps make everyday banking easier.

Elevated Checking Kessler with Walker Kessler

Elevated Checking

Our most popular checking account ever giving you more benefits, more savings, and more online protections than ever before.

Elevated Plus Lisa

Elevated Plus Checking

All that benefits, savings, and protections offered in Elevated Checking with added Checking dividends.

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Trust Checking

Support your family’s financial future with a checking account designed to simplify trust management and everyday banking.

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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