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:

Free Checking

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.

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Online Bill Pay

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

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Debit Cards

UKFCU Debit Card
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

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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.