Open Online
Register for our robust online banking and find out why our app is the #1 locally rated bank app.
Already a member? Log in to your digital banking. We’ll pre-fill your application for a way faster experience!
Loyalty Checking
It pays to stay loyal...
…especially with a checking account that goes beyond the basics. Enjoy convenient access designed for families on the go, plus special features you won’t find with every UICCU checking account.
Features
- No Monthly Fee2
- Interest Rate Discount on Consumer Loans3
- Certificate Rate Bonus3
- Free Checks3
Rates
- 0.05% APY1
*When criteria is met3
Your paycheck, up to two days early.
Waiting for Friday is old news. Now, you can set up your direct deposit and get paid up to two days early! Yeah…we said two days early!** Find out more…
Included With All Checking Accounts
- No minimum balance
- Tap-to-pay debit card
- Google, Samsung, Apple Pay
- Digital Banking
- Free e-statement
- Over 50,000 surcharge free ATMs across the nation
- Optional overdraft coverage from savings
- Overdraft Protection
Get Started Today
Ready to get the best checking for Central Illinois and beyond? Open your checking account online, or come see us in person!
Appointments
Got a few questions first? No problem! Schedule an appointment and we can chat in person or online.
Does not earn dividends unless criteria is met.3 Additional terms and conditions listed in Simple Disclosures. Other restrictions may apply.
1Rates are subject to change.
2With Direct Deposit of $500+ per month or you make 6 electronic withdrawals each month, or you carry an average monthly balance of $500+
3When you have 4 or more of the following products/services within the same member/account number: 10+ years membership, Consumer loans, VISA credit card, Aggregate deposits greater than or equal to $5000, Bill pay active for at least 90 days.
1Rates are subject to change.
2With Direct Deposit of $500+ per month or you make 6 electronic withdrawals each month, or you carry an average monthly balance of $500+
3When you have 4 or more of the following products/services within the same member/account number: 10+ years membership, Consumer loans, VISA credit card, Aggregate deposits greater than or equal to $5000, Bill pay active for at least 90 days.
**When you receive recurring direct deposit to your UICCU account, you may be able to access your funds up to three days early. No waiting for your money, and no paper check to get lost in the mail. You’ll get paid the same day the money is available – which could be up to three days before traditional banks. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer and may vary with each deposit. We generally make these funds available on the day the payment file is received, which may be up to three days earlier than the scheduled payment date. 0.5% discount on loan Annual Percentage Rate (APR) for members with a UICCU checking account with established direct deposit is available for consumer loans but excludes Mortgages, lines of credit, RV/balloon loans, VISA, and any other promotional or special APR offers. If a first direct deposit has not been received to your account prior to loan funding, proof of a direct deposit establishment may be required. APR discounts for direct deposit cannot be combined with any other APR discounts pertaining to checking accounts. All loans subject to credit approval and all applicants must qualify for and open a membership account at UICCU before loan funding. Offer available for a limited time and may be withdrawn without notice. Other restrictions may apply. Consult a UICCU representative for further information. ▲