Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
Early Pay
Wednesday is the new Friday! With Early Pay from UKFCU, you can get your paycheck up to 2 days* early!
Get Paid up to Two Days* Early with Early Pay from UKFCU
With Early Pay, receive your paycheck up to two days early* when you send your payroll Direct Deposit to UKFCU! Combine Early Pay with your UKFCU Debit Card, Bill Pay, and access to over 65,000 fee-free ATMs, and you’ve got a smarter, more flexible way to manage your money, your way.
Wednesday is the New Friday
Why wait for what’s yours?
With Early Pay from UKFCU, you can get access to your paycheck up to two days* early when you set up direct deposit to your UKFCU account. It’s a simple way to take control of your finances—no hoops, no hassle.
As part of our commitment to supporting your financial journey, we’re making it easier than ever to access your money when you need it. No extra steps. No enrollment required. Just your funds, faster.
It's as Easy as 1-2-3!
Need a Checking Account without the Hidden Fees?
We’ve Got Three.
UKFCU Checking Account
Your UKFCU checking account includes all the features that allow you to manage your money, your way. On-the-go, online, or wherever you are in the world, you get the flexibility that fits your life today.
In addition to all the features listed above, UKFCU Checking Accounts also offer:
- Overdraft Protection
- Free First Box of Checks
Student Rewards Account
As the Official Credit Union of the University of Kentucky, we understand that students need a little extra support. That's why we created the Student Rewards Account, which includes all of the Checking Account Features above, plus some extra benefits to help you ace student life:
- Available for Students Aged 13-25**
- 5% Cashback on All Debit Purchases
- No Overdraft Fees
Senior Freedom Checking Account
As we age, a world of freedom unfolds before us...the freedom to explore, to relax, and to choose exactly how we want to live life to the fullest. Senior Freedom Checking Accounts features everything listed above, as well as:
- Available for Members Aged 54+
- Free First Two Boxes of Checks
Direct Deposit
Don't like standing in line to cash a paycheck? Then you'll love direct deposit!
- Your payroll check is deposited into your checking or savings account electronically
- Your money is available as soon as it's received by the credit union; no waiting for a paper check to clear
- Easy to set up
- Safer than a paper check, reducing the risk of fraud or theft
- Plus, get paid up to two days* early!
Set up direct deposit in 3 easy steps...
1. Note UKFCU's Routing Number (hint, it's 242176129).
2. Locate your UKFCU Account Number by logging into your Online or Mobile Banking and selecting your desired account. From there, you can find your full account number under the "Details and Settings" tab.
3. Talk to your employer's HR department or payroll administrator and ask them how to update your direct deposit to UKFCU. It's that easy!
Early Pay Makes Cents
There are so many reasons to transfer your Direct Deposit to UKFCU and get your paycheck up to two days* early!
Pay Bills with Confidence
Quicker access to your funds means more on-time payments for monthly bills. Open a UKFCU Checking Account and add your Direct Deposit today!
Avoid Fees
While our fees are lower than most financial institutions, quicker access to your money might help you avoid courtesy pay and overdraft fees. Open your account today!
Treat Yourself
An early payroll Direct Deposit might come just in time to get those concert tickets. Occasionally, it feels good to get yourself a well-deserved treat. Open your account today!
Bigger Savings
Money in your wallet might mean bigger savings. If you’re focused on saving for a financial goal, quickly transfer your funds over to a UKFCU High Yield Savings Account and start earning dividends faster.
Let's Get Started!
Become a UKFCU member today.
When you meet our qualifications, opening a membership is easy and you can join online.
* Must 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.
** Student Rewards Accounts are checking accounts only available to members 13-25 years of age, enrolled in school (primary, secondary or post-secondary education, verified at account opening). Student Rewards Accounts are eligible for 5% cashback on the sum of all PIN and signature-based debit card transactions. The cashback will be paid to your checking account by the fifth day of the following month’s statement cycle or the next business day. The cashback will be capped at $10 per month per checking account for a maximum annual total of $120. Cashback amounts paid to your account may be considered 1099-MISC income and may be reported to the IRS; please consult your tax professional. If your checking account has a negative balance on any day of the month, you will forfeit the cashback payment to your account for that calendar month. You are eligible for this cashback payment until your Student Rewards Account is converted to a UKFCU Checking account or the date of your 26th birthday. Conversion of a Smart Checking for Students Account to a Student Rewards Account can only be completed by calling 859.264.4200 or visiting a physical UKFCU branch location. Federally insured by NCUA.
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