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 "Courtesy Pay" after the account has been open for 30 days. If eligible for "Courtesy Pay" benefits, the member pays a $30 per item fee for overdrafts. Member has 15 days to pay the account out of the negative balance to keep "Courtesy Pay" privileges. Member must also make at least a $100 minimum monthly deposit to keep the "Courtesy Pay" 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 once the member has maintained the Classic Checking for at least 60 days and the account is in good standing.
Advance $300 Checking
A good deal for members who have maintained a Classic Checking for the previous 60 days, 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 (who have maintained a Classic Checking for the previous 60 days) 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 have a Direct Deposit of at least $600 (for Advanced $600 Checking ) or $300 (for Advanced $300 Checking) 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.
ATM Card
Apply for an ATM card even if you do not have a UCFCU checking account. The ATM card can be used at the UCFCU ATM machines and CO-OP ATM's for regular savings withdraws. Since UCFCU is a part of the CO-OP ATM network you will have access to nearly 30,000 surcharge-free ATMs across the United States. Click here to find a CO-OP ATM now. Or you can call 1-888-748-3266, text a zip code to 91989 (services are free of charge, however standard data/SMS fees may apply) or download the app to your iPhone or Android. If the ATM card is used at foreign ATM machines you will pay foreign ATM transaction fees.
Debit Card
Apply for a Debit Card when you open your checking account. The debit card is a convenient way to make purchases and is a convenient way to access cash at the ATM machine or at many retailers. UCFCU is a part of the CO-OP ATM network - which gives you a network of nearly 30,000 surcharge-free ATMs across the United States. Click here to find a CO-OP ATM now. Or you can call 1-888-748-3266, text a zip code to 91989 (services are free of charge, however standard data/SMS fees may apply) or download the app to your iPhone or Android. If the Debit Card is used at foreign ATM machines you will pay foreign ATM transaction fees.
