Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
BlueVantage
Checking
With unrivaled lifestyle, financial and security benefits, BlueVantage Checking lets you keep your money safe, while also providing access to features like Telehealth, Cell Phone Protection, Roadside Assistance and more!
Lifestyle Benefits
Telehealth¹
Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with physical and mental health care.
Cell Phone Protection²
Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad.
Roadside Assistance²
24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence.
Travel & Leisure Discounts
Money-saving discounts from thousands of local and national businesses.
Financial Benefits
ATM Fee Rebates³
Access your money anywhere. Get reimbursed up to $10 per statement cycle for ATM fees charged by non-UKFCU ATMs.
Earns Dividends⁴
Grow your balance. Earn 0.25% APY on account balances over $1,500 - let your checking account pay you for a change! 
Loan Discounts⁵
Save more on your next loan. Get a 0.25% rate discount on auto and personal loans-just for having a BlueVantage Checking Account.
Early Pay⁶
Why wait for what's yours? Get access to your paycheck up to two days early when you set up direct deposit to your BlueVantage Checking Account.
Security Benefits
IDProtect®⁷
Helps to better protect you and your joint account holders for any identity fraud event, financial or otherwise, anywhere in the world. Services include:
Dark Web Monitoring
Monitor your personal information on the dark web and receive alerts when your personal information is exposed online with our Dark Web Monitoring identity theft prevention product, also known as cyber monitoring (registration/activation required).
Identity Theft Expense Reimbursement Coverage
Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.
Identity Theft Resolution Services
Should you suffer identity theft, your very own dedicated fraud resolution specialist will help you every step of the way until your identity is restored.
Follow these quick steps:
1. Log into your Online Banking or Mobile Banking App
2. Select the BlueVantage Checking tile from the main account screen (in the Mobile Banking app, scroll to the bottom of the main account screen to find the tile)
3. This will bring you to bluevantage.clubchecking.com
4. From here, follow the directions on screen to activate and access your benefits!
5. If you do not have access to UKFCU Online or Mobile Banking, you can access your benefits at bluevantage.clubchecking.com, using access code: KY754655
6. Call 1-866-210-0361 for questions related to any of the benefits, or for assistance with registration and activation
Ready to upgrade your current UKFCU Checking Account to BlueVantage Checking?
To upgrade your account, visit one of our local branches or contact us directly.
We're here for you!
UKFCU Checking vs BlueVantage Checking
- Minimum Opening Deposit
- Early Pay*
- Online & Mobile Banking
- Bill Pay
- UKFCU Debit Card
- Digital Wallet Capable
- Courtesy Pay & Overdraft Protection
- Checks
- eStatements
- ATM Fee Rebates
- Interest Bearing
- Loan Discount
- Access to Telehealth
- Cell Phone Insurance
- Roadside Assistance Service
- IDProtect®
- Dark Web Monitoring
- Travel & Leisure Discounts
- Monthly Service Charge
That’s the power of BlueVantage Checking. For around the same cost as a cup of coffee, you unlock a package of everyday perks that would normally set you back nearly ninety bucks:
Telehealth Access – $35/month
Cell Phone Protection – $8/month
IDProtect® Security – $4/month
Roadside Assistance – $5/month
Travel & Leisure Discounts – $25/month
ATM Fee Rebates – $10/month
Add it up: that’s $87 in real value⁸—all bundled into BlueVantage Checking for just $7 per month.
Mindful Money
Check out our content library to stay educated and informed about money topics important to you.
Become a UKFCU member today.
When you meet our qualifications, opening a membership is easy and you can join online.
¹Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance. ²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate. ³BlueVantage Checking Accounts are eligible for reimbursement of up to $10 in surcharge fees from non-UKFCU ATMs per statement cycle. Reimbursement will be paid into your checking account by the fifth day of the following month's statement cycle or the next business day. ⁴Effective as of 8/26/25. No minimum deposit required to open account but $1,500 minimum balance required to earn dividend of 0.25% APY (Annual Percentage Yield). Fees may reduce earnings. Rates may change after an account has been opened. Please see a representative for additional details, other restrictions may apply. ⁵0.25% APR (Annual Percentage Rate) loan discount available for auto and personal loans. Loans subject to credit approval and loan requirements. ⁶Must have UKFCU account with active direct deposit. Early Pay is subject to when we receive pay information from the Federal Reserve. Some exclusions may apply to non-traditional ACH account credits. Federally insured by NCUA. ⁷Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. ⁸Estimated values are based on approximate monthly costs or savings for similar marketplace benefits and are subject to change, Benefits and features may vary and may not necessarily reflect the exact features offered through BlueVantage. No cash value is implied with the use of this account or any of its features.
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