You can score an interest rate discount on eligible consumer loans3.
Loyalty Checking Updates
It pays to stay loyal.
The more you bank with us, the more your checking gives back. Loyalty Checking rewards members who have more of their relationship with UICCU through loan discounts, certificate bonuses, free checks, and more.
Give your savings a little extra boost with this bonus3.
You never know when you’ll need a check. And yours are free3.
Meet the qualifying requirements and skip the monthly fee2.
How Loyalty Pays
Meet four or more of these criteria options? You’re in.
10+ Years as a UICCU Member, Have a Consumer Loan, Have Active Bill Pay for 90+ Days, $5,000+ in Deposits, or Have a UICCU Visa Card
Unlock four or more and get the Loyalty Checking Perks3 along with perks that come with every UICCU checking account.
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
Your paycheck, up to two days early.
Waiting for Friday is old news. You can set up your direct deposit and get paid up to two days early!** Payday on Wednesday has a nice ring to it.
Find out more…
Is Loyalty Checking for You?
Probably! Loyalty Checking Accounts might be your thing if…
You already bank with UICCU: Might as well get some extras for it!
You have several UICCU products: Loans, cards, and deposits can help unlock Loyalty benefits.
You like perks without extra work: No points to track, no rewards portal. Just you cashing in extra benefits.
Compare Loyalty Checking with our other (great) checking options:
| iChecking | Loyalty Checking | Kids & Teens Accounts | |
|---|---|---|---|
| No Monthly Fees | ✓ | ✓ | ✓ |
| Get Paid Early Options | ✓ | ✓ | ✓ |
| Loan Discount Opportunities | × | ✓ | × |
| No Minimum Balance | ✓ | ✓ | ✓ |
| Access to The Illini Debit Card | ✓ | ✓ | ✓ |
| Best Option For... | Everyday individual banking | Family banking | Kids & teens, 18 and under |
Loyalty looks good on you.
Ready to get the best checking for Central Illinois and beyond? Make sure you’re getting something extra for your loyalty with UICCU. Open your checking account online or come see us in person!
Open Online
Register for our robust online banking and get the #1 locally rated bank app.
Already a member? Log in to your digital banking.
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 two 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. ▲