Member Services

Checking Options

UCFCU offers several checking options:

Classic Checking

A good deal for members who regularly balance their checkbook and maintain a high balance in checking. No monthly checking service charge for Classic Checking.

Classic Checking may be eligible for “Paid 4 You” courtesy pay after the account has been open for 30 days. If eligible for “Paid 4 You” benefits, the member pays a $30 per item fee for overdrafts. Member has 30 days to pay the account out of the negative balance to keep “Paid 4 You” privileges. Member must also make at least a $100 minimum monthly deposit to keep the “Paid 4 You” privilege and must not be more than 15 days past due on a loan. Because of the (per item) fees, a member may choose one of the following checking options that charges a monthly service charge instead of the per item fees up to specific limits as listed below.

Advance $300 Checking

A good deal for members who keep a low checking balance and sometimes overdraws the checking account. Member may be able to overdraw up to a $300 maximum without paying (per item) fees for only $19 per month. *See the exceptions listed below.

Advance $600 Checking

A good deal when two joint account holders use multiple checkbooks and multiple debit cards on the same account and sometimes overdraw the checking account. Member may be able to overdraw up to a $600 maximum without paying (per item) fees for only $29 per month. *See the exceptions listed below.

Advance Checking Exceptions:
  • Member must make at least a $100 minimum deposit each month in the checking account AND
  • Member must pay the checking account out of the negative every 30 days AND
  • Member must keep any credit union loan from being more than 15 days past due.


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Upper Cumberland Federal Credit Union is federally insured by the National Credit Union Administration.
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