Checking


Checking Accounts

With unlimited check writing, 24 hour ATM/Debit card access and Online Bill Pay, UKFCU’s Checking Account is FREE, flexible and convenient. You have the choice to use your account in a way that best fits your lifestyle. Six branches give you access to your account in person. Online and mobile banking give you 24 hour access anywhere life takes you. No matter what you choose, UKFCU is here to provide you with traditional check services along with the power of online technology.

UKFCU Checking Account Features

  • No minimum balance
  • No monthly service charge
  • No ATM charges from UKFCU
  • First box of checks free
  • FREE Visa debit card
  • FREE online bill pay
  • Unlimited check writing
  • 24 hour debit card and ATM access
  • 24 hour account access through Mainline phone system
  • 24 hour account access through Online Banking system
  • E-statements available
  • Direct Deposit
  • Instant Issue debit card
  • Several overdraft options available

OPEN AN ACCOUNT

Smart Checking Student Account

College students are always on the go. That’s why we designed Smart Checking to meet the needs of a student on campus and at home. Smart Checking is available to any student who meets the general requirements of UKFCU membership. In addition to our regular checking account benefits, Smart Checking offers the following features:

  • No minimum balance
  • No monthly service charge
  • No ATM charges from UKFCU & Instantly issued cards at any branch
  • First box of checks free with college logo
  • FREE Visa debit card
  • FREE mobile and online banking
  • Unlimited check writing
  • 24 hour account access through Mainline phone system
  • E-statements available
  • Direct Deposit
  • Several overdraft options available
  • FREE Gift
  • Credit Card Available
  • Discounts on auto loans
  • FREE financial counseling

OPEN AN ACCOUNT

Senior Freedom Checking Account

Our Senior members deserve the freedom to pursue their travel and leisure activities at the best prices possible. That is why we created the Senior Freedom Checking Account. You can access special deals on hotels, air travel, cruises, vacation packages and much more! Freedom Checking is available to any member age 54+. In addition to our regular checking account benefits, the Senior Freedom Checking Account offers the following features:

  • No minimum balance
  • No monthly service charge
  • No ATM charges from UKFCU
  • First box of checks free
  • FREE Visa debit card
  • FREE mobile and online banking
  • Unlimited check writing
  • 24 hour debit card and ATM access
  • 24 hour account access through Mainline phone system
  • 24 hour account access through Online Banking system
  • E-statements available
  • Direct Deposit
  • Instant Issue debit card
  • Several overdraft options available
  • 0.25% discount on Auto Loans
  • $25 bonus on opening new Vacation Club Account
  • Travel benefits through CUonVacation
  • Visa Credit Card
  • Special Seminar invitations
  • FREE Road Atlas

OPEN AN ACCOUNT

Online Bill Pay

Receive and pay your bills online with the click of a mouse with UKFCU’s Online Bill Pay. This service is simple, safe and guaranteed. You can pay anyone from your mortgage company to your gardener. Plus, you can track the status of every bill you pay.

  • Receive and pay all of your bills in one location
  • Simplify your life by using reoccurring payments
  • Pay your bills in a safe and secure environment. Never worry about lost checks again.
  • Take control of your finances-you can see all of your payment history in one place

Click here to experience a demo of Online Bill Pay or log-in to Online Banking and start using Online Bill Pay today!

NCUA

The National Credit Union Administration is a US government agency that insures your funds up to $250,000.00. For more information on NCUA insurance coverage go to the NCUA Share Insurance Tool Kit.  Excess Share Insurance Corporation, a private corporation, also insures your funds up to an additional $250,000.00.

Overdraft Options

We understand that life can throw you curves. You may need extra cash or forget about a payment. Your credit union is equipped with overdraft options to help you.

Overdraft Protection

Standard overdraft protection is an easy way to prevent you from accidentally overdrawing your checking account. It covers you by drawing from the available balance of your savings in $100 dollar increments.

  • Money can be transferred from either Prime Share or Senior Share
  • Low fee—Only $3.00 per overdraft transfer
  • Transfers in $100 increments
  • All members with a Checking Account are eligible for basic Overdraft Protection
  • Number of transfers may vary, please call for details

Overdraft Line of Credit

Let a UKFCU Overdraft Line of Credit cover your checking account without drawing from your savings.

  • No transfer fee
  • Transfers only the amount needed
  • No limit on number of transactions (up to credit limit)
  • Leaves your Savings account to earn interest
  • Credit Life and Disability insurance available

Check Sentry Overdraft Courtesy

Check Sentry is an added layer of safety should you write checks for more than the amount available in your account. This is in addition to any amount that may be covered by another form of overdraft protection. While there is a $29 charge for each overdrawn item paid, Check Sentry protects you from additional merchant fees.

  • Account must be open 90 days and in good standing before being reviewed for eligibility
  • Protects your good name
  • Up to $750 coverage
  • Covers only the amount needed
  • Eliminates merchant returned check charges
  • No hassle from collection agencies
  • Qualified members may be eligible
  • No applications or additional signatures

checking

For more information regarding this service please click the Check Sentry logo above.

Debit Cards

A UKFCU Debit Card gives you instant access to your account from virtually anywhere. With your Personal Identification Number (PIN) you can withdraw funds or check on your account from a wide variety of ATM’s.

To learn more about the NEW Chip Debit Cards click here!

Debit Card Features

  • Instantly issued at all branches
  • Can be used anywhere Visa is accepted
  • Accepted at numerous nationwide networks
  • Used like a credit card but draws from your checking account
  • Can be protected by Verified by Visa for additional online security
  • Withdraw cash from participating retailers
  • Fraud protection

 

checking

Blocked Country 

Transactions cannot be conducted currently in Romania.

Lost or Stolen Card 

If your debit card has been lost or stolen contact our ATM/Debit Card Coordinator. Coordinator can be reached 9:00 am-5:30 pm Monday-Thursday and 9:00 am-6:00 pm Friday at 859.264.4200. After business hours reach our 24-hour hotline 800.654.7728.

Verified by Visa

VerifiedbyVisaThis free and easy service provides special security features when using your Visa card online.  Click here to view an online demo and learn more about the Verified by VISA Program.

 

UKFCU ABA/ Routing Number: 242176129