piggybank Personal Checking Accounts

On a daily basis, your checking account is central to how you access your money. That’s why we’ve designed a selection of flexible checking account options to fit your lifestyle now and wherever the future takes you. Choose the account that works best for you.

Existing Members Apply Here New Members Apply Here



UKFCU Checking Account

Your UKFCU Checking Account includes numerous features that allow you to manage your money, your way. With no minimum balances, no monthly service charges and a host of mobile and online options, see what we mean when we say "banking...only better!"

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Smart Checking for Students

As the Official Credit Union of the University of Kentucky, we understand that students need a little extra support. That's why we created Smart Checking for Students, which includes all the benefits of our UKFCU Checking Account with some additional perks!

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Senior Freedom Checking

With age comes freedom. Freedom to travel, enjoy leisure time and live your life where you want to live it. Senior Freedom Checking is available to any member aged 54 and older and offers access to special deals on hotels, air travel, cruises, vacation packages and more.

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lock Our Security Promise

As a member of UKFCU, your funds are guaranteed up to $350,000.00. The National Credit Union Administration, a government agency, insures your funds up to $250,000.00. Excess Share Insurance Corporation, a private corporation, also insures your funds up to an additional $100,000.00. See examples here.

list Checking Account Features

While specific benefits might vary from checking account to checking account, each account type gives you access to features like Debit Cards, Direct Deposit, Online Bill Pay and Overdraft/Courtesy Pay. See below for more details.

creditcard Debit Cards

Whether you choose the UKFCU Checking Account, Smart Checking for Students or Senior Freedom Checking, all new checking accounts come with a UKFCU debit card. Your new debit card (which comes in nine different designs) will allow you to withdraw funds or check your account balance at any time.

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moneybag Direct Deposit

Save time on payday with direct deposit at UKFCU. Have your payroll check directly deposited in your UKFCU account for immediate access to your funds. It’s easy to set up direct deposit, and you’ll save time you might have spent taking your paycheck to the bank. Plus, your money is available right away, when you need it!

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shoponline Online Bill Pay

Simplify your finances with Online Bill Pay. With Online Bill Pay, you no longer have to worry about writing checks, sending bills on time or losing checks in the mail. Using your online checking account, it’s simple, secure and guaranteed.

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tip Overdraft & Courtesy Pay

We invite you to take advantage of all the fantastic products and services UKFCU offers, including our Courtesy Pay Program, which offers you protection in the event of an accidental overdraft.

In addition to Courtesy Pay, we encourage all checking account holders to authorize Overdraft Protection from their other UKFCU accounts, which may include savings, money market savings, and our revolving line of credit loans (Courtesy Pay and Overdraft fees apply).

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As you can see, there are just so many reasons to open a Personal Checking Account with UKFCU. Click below to get started today.

Existing Members Apply Here New Members Apply Here