Free Checking Account

Your personal checking account is absolutely free. It’s also completely flexible, so it fits your lifestyle now and wherever the future takes you.

Checking account benefits include:

  • No minimum balance required
  • No monthly service charge
  • 24 hour ATM/Debit card access
  • Mobile banking
  • Free online bill pay
  • Direct deposit
  • Instant issue Visa debit card
  • Free first box of checks
  • Overdraft protection
  • e-statements available

Access your checking account online, mobile, over Mainline phone, or in person at one of our six branches

Apply Now


Smart Checking for Students

Access your checking account on the go, home and away, with free smart checking for students. Your smart checking account includes all the benefits of our free checking account, such as a free visa debit card, no minimum balance and online and mobile banking. 

As a student, you’ll also enjoy a free gift along with these other great extra features:

  • First box of checks free with college logo
  • Credit card available
  • Discounts on auto loans
  • Free financial counseling

Apply Now

Senior Freedom Checking Account 

With age comes freedom—to travel and enjoy leisure time. Freedom Checking is available to any member age 54 and older and offers access to special deals on hotels, air travel, cruises, vacation packages and more. Your free Senior Freedom Checking account includes all the benefits of our free checking account, such as a free visa debit card, no minimum balance and online and mobile banking.

Additional features of your Senior Freedom Checking account include:

  • Discount on Auto Loans (0.25%)
  • $25 bonus on opening new Vacation Club account
  • Travel benefits through CUonVacation
  • Visa Credit Card
  • Special seminar invitations
  • Free gift

Apply Now

Order Checks

Time to reorder more checks for your checking account? Whether you need personal checks or business checks, we offer a wide range of choices. Choose something simple or make a statement with a custom design.  

It’s quick and easy to reorder checks online. Your checks will be delivered right to your home or business. 

Order Checks

U Design Your Way

Now, YOU can be the artist when it comes to your debit card. Designing your own card is now fun and easy with UKFCU's #UDesignYourWay!  Upload one of your favorite images, or choose from our gallery's various themes of images. Customize your design until it's just right. Start designing today!

Your card. Your design. Your way!

Get Started