Current Rate up to 1.25% APY*

Are you looking for an interest-bearing account with extra perks? UECU’s Rewards Checking PLUS Account will help you save money, earn rewards, and conveniently manage your finances anytime, anywhere. Plus, you’ll receive special benefits like Fee Forgiveness and higher ATM surcharge rebates.


Account Balance Nominal Dividend Rate APY
$0.01 – $9,999.99 0.50% 0.50%
$10,000 – $49,999.99  0.75% 0.75%
$50,000 and over 1.00% 1.00%
  • High Dividend Earnings – Current rate up to 1.25% APY*
  • Low initial deposit of $25
  • $500 minimum daily balance or electronic deposits totaling $500 a month into the Checking Account required to avoid $10 monthly fee
  • Direct Deposit available
  • Free Checks –First set of checks is free, plus one set per calendar year1
  • Free Advantages Visa® Debit Card™ with Personal Identity Theft Coverage2
  • Nationwide ATM Surcharge Rebates – Up to $12 per month
  • Fee Forgiveness3 – One NSF fee, Overdraft Transfer fee, or Minimum Balance fee waived per year
  • Overdraft Protection available
  • 24-Hour Account Access with Advantages Online™& the UECU Mobile Banking App
  • Mobile Check Deposit
  • Convenient Mobile Pay Services with a UECU Debit Card and Apple Pay™, Google Pay, or Samsung Pay
  • Free Online Bill Pay with eBills and Payment Reminders
  • .25% off new term loans4
  • Rewards – Earn 1 VantagePoint for every $4 Spent5 with your Advantages Visa® Debit Card™. Choose E-Statements for your UECU account and earn DOUBLE the reward points on your purchases.6 Points can be redeemed for cash-back, loan rate discounts7, and gift cards at many national retailers.
Ready to Get Started?
Call 800.288.6423 or Open Your Account with Advantages Online™.
Open Account Forms and Disclosures

*APY=Annual Percentage Yield.

Dividend rate and Annual Percentage Yield (APY) are stated as of 3/9/2020.

1. First free set limited to one style. Free set per calendar year limited to a basic style in a choice of three colors.

2. When you activate your Advantages Visa Debit Card™ you automatically receive Personal Identity Theft Coverage (at no cost to you), up to $2,500.00, to pay for expenses you may incur as a result of a Covered Stolen Identity Event. Identity Theft Coverage provided by Indemnity Insurance Co. of North America. Certain limits and restrictions apply.

3. Rewards Checking PLUS account holders can waive one NSF fee, overdraft fee, or minimum balance fee per calendar year. Fee Forgiveness must be requested by the account holder, it is not automatic.

4. An active UECU Checking Account (at least one transaction per month) provides a rate reduction of .25% APR that can be used on new term loans only. Rate reduction cannot be used on Visa Power Card™, Home Equity Loans, Mortgages, or Lines of Credit.

5. Earn 1 point for every $4 spent on Visa purchases. ATM cash transactions or cash advance transactions are not eligible to earn points. Points are earned net of credits.

6. Advantages Visa® Debit Card™ holders, who sign up for EStatements, earn 1 point for every $2 spent on Visa purchases. ATM cash transactions or cash advance transactions are not eligible to earn points. You must be enrolled in Advantages Online™ to sign up for EStatements.

7. Rate reduction can be used on a new loan only. Rate reduction cannot be used on Visa Power Card™, Home Equity Loans, Mortgages or Lines of Credit. Maximum loan principal limit of $100,000 when redeeming a VantagePoints™ rate reduction.

Rate comparison information accurate as of March 9, 2020, and subject to change.

Checking accounts make life easier and at UECU, you also earn rewards! Using them responsibly saves you money too.

Federally Insured by NCUA

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All products and services available on this website are available at Utilities Employees Credit Union at 11 Meridian Boulevard in Wyomissing, Pennsylvania.