Due to system maintenance, website features, including rates and product applications, will be unavailable Monday, July 26, at 10 PM (PT) to Tuesday, July 27, at 2 AM (PT). Times listed are approximate. We apologize for any inconvenience.

Visiting a branch? Check our Branch Locator, as we have updated our hours at several locations.

Checking Accounts

Checking that Suits Your Needs

Meet Your Match

Okay, maybe not the love of your life, but a checking account that’s compatible with the way you bank gives you more time for whatever makes you happy. Take our quiz to find your match, and learn more about our checking accounts in detail below.

Do you use a Debit Card more often than you write checks?
Do you have a good checking and credit history?
Do you have a good checking and credit history?
Are you ready to bank completely paperless?
Are you willing to carry a $2,000 minimum balance to earn dividends and other rewards?
We Recommend:
We Recommend:
We Recommend:
We Recommend:

We encourage you to take a look at our wide-variety of checking options—then, choose the account that works for you. We’re also happy to offer a helping hand.

If you are a current member, see “Apply for Checking Products” below to get started.

Not a UNIFY member yet? You will be able to apply for checking and other products after we open your membership. Get started here:

Open Your UNIFY Member Account


Free Checking Right Start Checking eChecking Premier Checking
FREE Visa Debit Card

FREE eBanking and eStatements

Overdraft Protection

No Per Check Fees

No Direct Deposit Requirement

No Minimum Balance Requirement


Dividends (minimum monthly average daily balances apply)2    

FREE Printed Checks




Anytime–Anywhere ATM Banking (monthly limits apply)1


Upgrade your UNIFY Checking Accounts
All of our UNIFY Checking Accounts are great on their own, but it’s easy to make them even better. Combined with Direct Deposit and an UNIFY Visa® Debit Card, you get unparalleled access to your funds!

  • Apply for Checking Products (existing members)
  • FREE Checking Account

    Yep… we said FREE. Convenient and flexible, FREE Checking is the no-fuss way to manage your money.

    • Open with a $25 deposit.
    • Pay no monthly or per-check fees.
    • Use Visa® Debit Card for purchases and ATM access to funds.
    • Get free access to eBanking.
  • eChecking Account

    Wouldn’t it be nice to use any ATM and be reimbursed the fees monthly? With eChecking you get all the same benefits of a standard checking account. Plus, when you log in to eBanking once a month, use your Visa® Debit Card 8 times3 for transactions and receive eStatements,4 you get even more.

    • Open with only $25 and no minimum balance is required.
    • Pay no monthly or per-check fees.
    • Get free access to eBanking.
    • Earn dividends with an average daily balance of $1,000.2
    • 100% ATM fees reimbursed monthly.1
  • Premier Checking Account

    Take home dividends and a whole lot more. Get UNIFY’s most complete, full-service checking account that blends the best of all the rest.

    • Open with $2000 minimum balance.
    • Pay no monthly or per-check fees.
    • Enjoy free checks and access to eBanking.
    • Fee-Free Overdraft Protection from your savings and/or qualified loans.
    • Get free access to eBanking.
    • Earn dividends with an average daily balance of $2,000.2
  • Right Start Checking Account

    Who said you never get a second chance to make a first impression? UNIFY offers Right Start Checking for first-timers or account holders looking to rebuild a positive checking account history.

    • Open with a $25 deposit and no minimum balance requirement.
    • Pay no monthly or per-check fees. 
    • Get free access to eBanking.

Disclosures & Agreements

1ATM surcharge fees from other institutions reimbursed at the end of the month if all account requirements are met. For eChecking: all out-of-network surcharge fees reimbursed monthly if all other account requirements are met.

2The average daily balance is calculated by taking the ending balance of each day, adding each day’s ending balance together, then dividing by the number of days in the month. For eChecking: Any month your eChecking account balance falls below the average daily balance of $1,000 your account will not earn dividends. For Premier Checking: no dividends will be paid on accounts that fall below the minimum daily balance of $2,000, and a $5 fee will be assessed, which may reduce earnings on account.

3ATM deposits and withdrawals do not qualify. Debit Card transactions must be posted by close of business on the last day of each month to count toward the required postings.

4$20 monthly account fee applies if account requirements are not met each month. Requirements include logging into FREE eBanking at least once a month, conducting eight transactions (point-of-sale or signature-based) using your Debit Card per month, and being signed up for eStatements.

Can’t remember your Username?

No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.