Checking Accounts

Your primary account for day-to-day life

Open An Account Now

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. Your checking account should fit how you spend your money. That’s why UNIFY offers multiple options with various benefits to help you find the right card for you. Take our quiz to find your match and learn more about our checking accounts in detail below.

Which is right for you?

Take our checking quiz to find the right features and terms for your lifestyle.

Art of money in ATM machine
Do you use a Debit Card more often than you write checks?
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?
We Recommend:
Right Start Checking
We Recommend:
We Recommend:
Premier Checking
We Recommend:
Free Checking
Do you have a good checking and credit history?
We Recommend:
HY Checking
Which benefit do you prefer?
ATM Fees Waived
Free Checks

All UNIFY Checking Accounts Feature:

Free Contactless Debit Card

NO Per-Check Fees

100k surcharge-FREE ATMs

Pick Your Checking Account

African American couple with laptop

FREE Checking Account

When we say free, we mean free. With FREE Checking you pay no monthly or per-check fees, but still get the UNIFY VIP member treatment.

Open a FREE Checking account
hipster young man with laptop

eChecking Account

Like FREE Checking but with special perks like dividends and 100% reimbursement of ATM fees each month1,2. Use your debit card regularly and enroll in eStatements to avoid the monthly fee and reap the benefits.3

Open an eChecking account
Women stretching arms outward in wheat field

HY Checking

With HY Checking, our high-yield checking account, you can earn 4.00% APY on balances $2,000-$15,000 (Average daily balances between $0-$1,999.99 and over $15,000 earn .05% APY.)5 In fact, to make things even better, we’re also waiving all ATM fees, monthly maintenance fees, and minimum balance fees.5 More returns with fewer fees? It's time to take your checking to a higher level.

Open a HY Checking Account
couple with laptop

Right Start Checking Account

UNIFY Financial Credit Union offers Right Start Checking for first-timers or members looking to rebuild a positive checking account history. This straight-forward account has no minimum balance requirement as well as no monthly or per-check fees.1 Get free access to eBanking to keep tabs on all your transactions.

Visit a branch to open
Cell phone, tablet, and laptop showing access to UNIFY’s Mobile Banking App

Premier Checking Account

Get a full-service UNIFY checking account that blends the best features of all the rest. Enjoy free check orders and earn a competitive rate on average daily balances of $2,000 or more.1,4


Open a Premier Checking

What are dividends? Dividends are what we pay you to keep your money in a UNIFY savings account. Dividends are like the credit union version of interest.

Many Ways to Spend

Still can't decide? Compare our variety of checking options and choose the account that’s right for you. Really still can’t decide? Call or visit a branch to talk to a UNIFY team member.

  HY Checking FREE Checking eChecking Premier Checking Right Start Checking
FREE Contactless 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) 5   2  
Free Printed Checks        
Monthly ATM fee reimbursement 5   2    

Open a Checking Account

We're here to help!

Find a Branch       Make an Appointment

The UNIFY Mobile Banking App

For even easier access to all things UNIFY download our app from either the Google Play store or Apple’s App Store. We’re here when you need us – just a few taps away. Quickly view transactions, get account reminders, and manage spending with the UNIFY app on your Apple Watch.


Learn about Mobile Banking and download the app

iPhone and Apple watch showing online banking

1Most checking accounts require a minimum $25 opening deposit. Please refer to our Consumer Share RatesTruth-In-Savings Disclosure, and our Disclosure of Fees and Charges for specific details about our checking accounts.
2eChecking monthly fee is waived and ATM fees reimbursed for each month that you meet all the following qualifications: log into eBanking at least once during the month, receive eStatements, and conduct at least eight (8) purchase transactions with your UNIFY debit card. Dividends earned on average daily balances of $1,000 or more. Failure to meet the qualifications results in a monthly fee and the forfeiture of dividends and ATM fee reimbursement for that month.
3$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.
4Premier Checking earns dividends on average daily balances of $2,000 or more. Forfeiture of dividends and monthly fee applies if minimum balance requirement not met.
5APY = Annual Percentage Yield. As of September 21, 2023, HY Checking Accounts earn dividends up to 4.00% APY on average daily balances between $2,000—$15,000 Average daily balances between $0-$1,999.99 and over $15,000 earn 0.05% APY. Minimum opening deposit is $25. Dividends earned and ATM fees reimbursed each month you meet the following qualifications: have recurring direct deposit or conduct eDeposits of at least $500 aggregate for the month, and conduct at least eight (8) purchase transactions with your UNIFY debit card.

Visa® is a registered trademark of VISA U.S.A. Inc.
Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in the United States and other countries. Google and Google Pay are registered trademarks of Google LLC. 

UNIFY University: Checking 101

Woman sitting holding credit card and IPad

Protect Your Online Identity

Email Offers and Online Shopping   Enjoy safe online shopping and avoid email scams with these tips:
Read More
Young man with backpack using ATM

Safety First! Protect Yourself at the ATM

If you visit ATMs, follow these best practices to ensure your safety and minimize exposure to potential theft or fraud.
Read More
Man at coffee shop making credit card purchase

Guard Your Cards

Know the ins and outs of store credit cards to avoid expensive mistakes.
Read More
Woman smiling while clinching fists excited

Direct Deposit Bonus

Enrollment in Direct Deposit means you could win $1K in our quarterly drawing! If you are enrolled for monthly direct deposit of $500 or more, you could win big!

Get all the details
Young adults snacking and relaxing

FREE Checking

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

Get FREE Checking
Woman Looking at Sunset over mountains

Credit Union Near Me

UNIFY is always near you with 24/7 call center access and branches nationwide including Los Angeles, Orange County, Plano, Texas, and Northwest Arkansas.

Find a branch near you