get more from your checking
Earn up to 5.00% APY1 with an Ultra Checking Account.
earn up to 5.00% APY1
You can earn up to 5.00% APY on an Ultra Checking account.1 That adds up to more than pocket change for balances up to $10,000. You're on your way to earning your maximum checking dividends.
- enroll in eStatements to receive your statements electronically each month
- +
- have one direct deposit or one electronic payment each month (ACH)
- +
- swipe and sign for at least 20 card transactions each month (Non-pin transactions on your Ultra Checking debit card or in combination with a U Rewards, U First or U Boost credit card)
- =
- earnings that go in the bank!
other perks
- Add 0.10% APY bonus on Share Certificates2
- Earn 2.50% APY more on Elevate Money Market. Learn more about Elevate Money Market.
- Knock 0.10% APR off your rate on new loans3
- Get up to $10 back per month when you get charged for using an ATM4
great services
We are dedicated to helping every Member within every community we're a part of. Feel at ease knowing we have your back during tough times.
- Keep tabs on your account with Visa® Purchase Alerts
- Use Courtesy Pay protection on up to $1,000 for those moments when you don't have enough money in your account5
- Free personal Financial Planning and Financial Seminars
we make it easy
Manage your money easily, when and how you want, with instant access online or from as many mobile devices as you can handle.
Mobile Check Deposit
Save time by making a deposit without having to drive to a branch by depositing checks directly from your smartphone -- just snap a picture of your check with a smartphone via the United app.
Zelle®
Zelle® is a convenient way to send money using your mobile banking app or online banking account.6
Free Bill Pay and eDocuments
Get added security by having your monthly statement sent directly to your email.
Debit Cards
Experience the convenience of the globally accepted Visa® Debit Card included with the Ultra Checking Account from United, making everyday purchases hassle-free from the donut shop to the movie theater and beyond.
Digital Wallet
Additional options are available for secure and convenient payments when you have Digital Wallet. Use Apple Pay®, Google Pay™, and Samsung Pay to buy what you want with one tap or click of your smartphone.7
Ultra Checking Status
Easily track your monthly number of swipes to make sure you’ll earn the full 5% APY. Find this tool in Online Banking under the Services Menu, then click on the tile titled 'Bonus Dividend Status'.
Ultra Checking |
|||
---|---|---|---|
Effective Date: October 01, 2024 | |||
Account Type | Minimum Amount | Dividend Rate | APY1 |
Base Rate | $0.00 | 0.050% | 0.05% |
Bonus Rate | $0.00 | 4.841% | 4.95% |
TOTAL Rate | $0.00 | 4.891% | 5.00% |
Base Rate | Over $10,000 | 0.100% | 0.10% |
Bonus Rate | Over $10,000 | 0.000% | 0.00% |
TOTAL Rate | Over $10,000 | 0.100% | 0.10% |
[1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 5.00% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met; 0.05% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements are not met; 0.10% APY earned on the portion of your daily balance that is greater than $10,000. Monthly requirements for Bonus APY: (a) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement (“Tax Reported Owner”) is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; (b) 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account is posted by 11:59 PM ET on the second to last calendar day of the dividend period; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member. |
services at a glance
If you know your current PIN, you can also call (866) 238-5378 to request a new personalized PIN. This change will take effect immediately.
just $50 will get you started
still not sure?
Compare Ultra Checking to our Rewards Checking account, read our FAQs, and learn about United to make the decision easier.