Free Checking Accounts

With today's busy schedules, you need a Checking Account that can keep up with you no matter where you’re going. At United Community, we make it easy to keep in touch with your Checking Account. Plus, we do it without all of the high bank fees and balance requirements found at the big name banks. Here are some of the advantages of having your Checking Account with us:

• FREE Checking Accounts
• Visa® Debit Card
• ATM Access
• Unlimited Transactions At United Community FCU ATMs
• Eight (8) Free Transactions Per Month At Foreign ATMs with Direct Deposit
• Overdraft Protection
• Co-Op Shared Branching Account Access - nationwide access to your UCFCU accounts
• Plus, Our UCFCU Convenience Services like Home Banking and FREE Bill Pay
• FREE Auto Line Phone Access

To open your United Community Federal Credit Union Checking Account, simply contact the credit union for an application. Your membership application must also be completed prior to opening a checking account.

Convenience Services

• Visa® Debit Card
• Mobile Banking
• FREE Home Banking
• FREE Bill Pay
• ZELLE – Convenient way to send and receive money
• Auto Line - this service allows you to manage your accounts anytime via a toll-free telephone call.
  Call (877) 4CU-INFO (1-877-428-4636)
• Overdraft Protection – we understand that mistakes happen. Sometimes you may not have enough money in your account to cover a transaction. United Community FCU will cover your overdrafts for a small fee. Contact the credit union for details.
• Direct Deposit - Conveniently and securely deposit paychecks, pension checks, Social Security payments - almost any check you receive on a regular basis - to your UCFCU accounts. Contact us to start your direct deposit today.
• Payroll Deduction - Deposit a portion of your paycheck into your UCFCU accounts, including loans. Contact us to start your payroll deduction plan today.
• ATM Access

Debit Card Manager - control your debit card for fraud, loss & more!

UCFCU Debit Card Manager allows you to freeze access to your UCFCU Debit Card directly from the app, cutting off access to your funds and giving you valuable time to establish if your card has really been stolen or simply misplaced—and potentially preventing unnecessary card replacements.

Debit Card Manager puts the following features in your hands:

• Q: Where do I download the UCFCU Debit Card Manager app?
  A: This new app can be accessed by tapping on the “My Cards” quick link within the With just a few taps from your smartphone and within moments after you hit "submit" the locks, controls and alerts will be activated on your phone.
• Q: What can the app do?
  A: The application protects you by allowing you to turn on/off your debit card. You can restrict transactions and set up alerts when transactions occur. The app gives you more control over how your cards are used to help prevent fraud or abuse.
• Q: Can I put more than one debit card in the app?
  A: YES! All your UCFCU debit cards can be placed into the application.
• Q: What types of transactions show in the app?
  A: Once you enroll your UCFCU debit card into the app, you will see all of your transactions including pending transactions.
• Q: How many transactions can I view in the app?
  A: Card Manager monitors and displays all debit card transactions within the past 31 days.
• Q: Will the app show pre-authorization charges on my debit card?
  A: Yes, Card Manager includes pre-authorization charges from certain merchants such as gas stations.
• Q: What is the difference between an alert and a control/restrictions?
  A: An alert is a text notification sent to your cell phone when a transaction takes place with a specific card. A control/restriction limits the use of the card based on the preferences or filters you defined.
• Q: How fast does it work?
  A: Within moments after you hit “submit,” the locks, controls, and alerts are activated.

Home Banking, Bill Pay & Mobile Banking

Visit our eServices page to learn more about these products.