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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?
Yes
No
Do you have a good checking and credit history?
Yes
No
Do you have a good checking and credit history?
Yes
No
Are you ready to bank completely paperless?
Yes
No
Are you willing to carry a $2,000 minimum balance to earn dividends and other rewards?
Yes
No
We Recommend:
RIGHT START CHECKING
We Recommend:
eChecking
We Recommend:
PREMIER CHECKING
We Recommend:
FREE CHECKING

What’s important to you… world peace? UNIFY can’t help you with that, but we can help you choose a checking account with the features you want from four great options. 

 

Free Checking

Right Start Checking

eChecking

Premier Checking

No minimum balance

 

Overdraft Protection

 

 

FREE printed checks

 

 

 

eBanking from any device

FEE-FREE anywhere ATM banking (monthly limits apply) 1

 

Dividends (minimum monthly average daily balances apply) 2

 

 

Discounts on loans and other rewards3

 

 

  • All UNIFY Checking Accounts

    All of our accounts start with free and end with no problem.

    • FREE Visa Debit Card.
    • FREE ATM Network Access.
    • FREE online eBanking,
    • FREE online eStatements.
    • FREE ePay online bill payment.
    • NO per check fees.
    • NO Direct Deposit Requirement.

    Open Your Account

  • 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.
    • Enjoy 3 fee-free out-of-network ATM visits each month.

    Open Your Account

  • eChecking Account

    Never pay ATM fees again­. 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 times4 for transactions and receive eStatements5, you get even more.

    • Open with no minimum balance.
    • Pay no monthly or per-check fees.
    • Take advantage of a .25% discount rate on qualifying loans.3  
    • Get free access to eBanking.
    • Earn dividends with an average daily balance of $1,000.2
    • 100% ATM fees reimbursed monthly.1

    Open Your Account

  • 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.
    • Take advantage of a .25% discount rate on qualifying loans.
    • Enjoy free checks and Overdraft Protection. 
    • Get free access to eBanking.
    • Earn dividends with an average daily balance of $2,0002
    • Enjoy 5 fee-free out-of-network ATM visits each month.1

    Open Your Account

  • 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. 
    • Enjoy Overdraft Protection up to $250.
    • Get free access to eBanking.

    Open Your Account

Disclosures & Agreements

1 ATM surcharge fees from other institutions reimbursed at the end of the month if all account requirements are met. For Free Checking: a maximum of 3 out-of-network surcharge fees reimbursed monthly. For Premier Checking: a maximum of 5 out-of-network surcharge fees reimbursed monthly. For eChecking: all out-of-network surcharge fees reimbursed monthly if all other account requirements are met.

2 The 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 account balance falls below the minimum monthly average daily balance of $1000 your account will not earn dividends. For Premier Checking: any month your account balance falls below the minimum monthly average daily balance of $2000, your account will be assessed a $5 fee.

 

3 A rate discount of .05% will be applied if Premier or eChecking Account is maintained during the term of the loan. A rate discount of .05% will be applied if loan payments are automatically transferred from a UNIFY Savings or Checking Account and maintained during the term of the loan. A rate discount of .05% will be applied if loan payments are automatically transferred from a UNIFY Savings or Checking Account. Automatic loan payment is maintained during the term of the loan. A rate discount of .15% will be applied if with a single reoccurring monthly Direct Deposit of at least $400 or more to a UNIFY Savings or Checking Account is maintained during the term of the loan to a UNIFY Savings or Checking Account. Maximum rate discount for a qualified loan is .25%. May not be combined with any other loan rate discount offer. See Consumer Loan Rate Discount Acknowledgement for complete details. UNIFY Financial Credit Union is an equal opportunity lender.

 

4 ATM 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.

 

5 $20 monthly account fee applies if account requirements are not met each month. Requirements include logging into eBanking at least once a month, conducting eight point-of-sale or signature-based transactions 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.