Personal Checking Account
On a daily basis, your checking account is central to how you access your money. That’s why we’ve designed checking accounts that fit your life. Choose the account that works best for you:
Smart Checking for Students
Senior Free Checking
Our Security Promise
As a member of UKFCU, your funds are guaranteed two ways. 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 $250,000.00.
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.
Online bill pay lets you:
- Receive and pay your bills online
- Keep track of all your bills in one place
- Track the status of your bills
- Schedule recurring payments
- View your payment history
Your life doesn’t always happen during business hours. Now you can access your money anytime, and virtually anywhere, with your UKFCU Debit Card. Use your Personal Identification Number (PIN) to withdraw funds or check on your account from most ATMs.
Your debit card can be used like a credit card but draws directly from your checking account. As a Visa card, your debit card offers fraud protection and Verified by Visa for additional online security.
Debit card features include:
- Instant issue at all branches (view selection)
- Use anywhere Visa is accepted
- Cash withdrawal from participating retailers
Customize Your Debit Card with - 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!
University of Kentucky Federal Credit Union also offers a debit card rewards program!
UKFCU Rewards program is the program that rewards you for using your debit card. Consider it our little "Thank You" for being a loyal member. It's easy! We'll give you points for simply using your University of Kentucky Federal Credit Union Debit Card to purchase merchandise or services. Then, redeem your points and receive great gifts and merchandise.
We are excited to announce as of October 16th, 2018 our new Courtesy Pay Program will replace our existing Check Sentry program.
We invite you to take advantage of all the fantastic products and services, including our new Courtesy Pay Program, which offers you protection in the event of an accidental overdraft.
Courtesy Pay and Overdraft Protection are convenience services designed to protect our checking account holders from experiencing the frustration, embarrassment, and additional costs of declined transactions or returned checks due to insufficient funds.
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 revolving line of credit loans (Courtesy Pay and Overdraft fees apply).
Courtesy Pay is a non-contractual, discretionary overdraft service available to eligible checking account holders based on their account activity and history. If you are eligible for Courtesy Pay, we may approve overdrafts on your account within your current available Courtesy Pay limit. In addition, a second level of protection is for ATM and debit transactions. According to federal regulations, the Courtesy Pay for ATM you must request. The opt-in form can be found online or ask a representative at UKFCU. We recommend this additional coverage to protect you from unseen emergencies.