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Supercharge your Savings!

Savings Certificates with incredibly high yields.

Elevated Checking

UCCU’s NEW Checking Account with more savings, benefits, and online protections.

Credit Score Toolbox

An array of tools made to monitor and increase your credit score!

Get more. A lot more

Elevated Checking is a rewards checking account that offers more benefits, more savings, and more online protections than ever before. Paired with the most advanced and comprehensive banking tools, Elevated Checking is a must-have financial product.

Elevated Checking Logo

Easily redeem and manage all of your benefits from inside your UCCU Mobile App.

ELEVATED CHECKING BENEFITS

Lifestyle Benefits1

Cell Phone Protection

Up to $600 in repair or replacement coverage per incident, max $1,000 per year.

Telehealth

24/7 access to licensed health professionals with zero copay.

Roadside Assistance

24/7 service for towing, flat tire, locked-out, battery, etc.

Travel & Leisure

Exclusive savings on travel, entertainment, shopping, and dining.

Financial Benefits3

Free ATMs Nationwide

At 30,000+ Co-op ATM locations.

Credit Score Toolbox

Full credit report, credit score simulator, and more.

0.25% Loan Discount

On any new loan to UCCU: auto, recreational, vehicle, or personal.

Overdraft Forgiveness

Two reimbursements per year (upon request)

Credit Card Cash Back Boost

Increase your UCCU VISA cash back payout by 10%.

Early Direct Deposit

Receive your paychecks into your account up to two days early.

Security Benefits2

Dark Web Monitoring

Alerts you if your personal information is exposed on the dark web.

Credit Monitoring

Alerts you about changes in your credit report to protect against fraud and dispute errors.

Identity Monitoring

Active scanning of thousands of databases for early detection of possible identity theft.

Identity Theft Resolution

Up to $10,000 in identity theft reimbursement coverage with specialists to assist you.

1, 2, 3 Benefits are subject to change at any time and without notice. Some benefits require registration and activation. Terms and conditions apply. Click here for Elevated Checking details and guide to benefits for coverage and exclusions.


Elevated Checking is FREE with any one of the following monthly actions:

Or only $6 per month.

Automatically waived through age 25!


There are three easy options you follow to upgrade your account.

Elevated Checking Screenshot

Frequently Asked Questions

Is it possible to waive the Elevated Checking $6 fee?

Yes, with any of the following monthly actions.

  1. $500+ Direct Deposit or
  2. 15+ Debit/Credit Card Transactions or
  3. $1,500+ Average Daily Checking Balance

If one of the following actions above does not take place during a particular month, the $6 fee will automatically be withdrawn from your checking account at the start of the following month.

Are all my benefits activated the moment I open an Elevated Account?

You will have access to all of your benefits the moment you sign up for the checking account, however some benefits will require additional information and activation to utilize the benefit. Click the specific benefit you may have a question on above for more details on how to activate and use the benefit.

Are there other UCCU checking account options?

Yes. Though Elevated is our most popular checking account, we also offer a Basic account and an Elevated Plus Account.

Also ask about our Business Checking accounts.

Walker Kessler and Elevated Checking

We’re here to help

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(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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Find a Location

Benefits are subject to change at any time and without notice. Some benefits require registration and activation. Terms and conditions apply. Click here for Elevated Checking details and guide to benefits for coverage and exclusions.