uChecking

With NO Direct Deposit requirement – Our UChecking account, for members like you up to the age of 25, was custom designed with your lifestyle in mind.

Apply Now

Younger members up to age 25 who are beginning to manage their own money should look no further than our UChecking account. Features include:

UChecking Features

  • No minimum balance requirement
  • Earn as much as $15.00 in monthly ATM fee refunds* if you:
    • Complete 15 or more debit card transactions that post to your account per month.
    • Enroll in online statements.
    • Provide a valid email account.

* See our Rate & Fee Schedule for more information.

Tools & Resources

We also provide additional tools and resources to help you manage your finances and learn as you go.

Learn more

Access our calculators

Order Checks

Manage your existing Prepaid Travel card

UChecking Features

  • No minimum balance requirement
  • Earn as much as $15.00 in monthly ATM fee refunds* if you:
    • Complete 15 or more debit card transactions that post to your account per month.
    • Enroll in online statements.
    • Provide a valid email account.

* See our Rate & Fee Schedule for more information.

Tools & Resources

We also provide additional tools and resources to help you manage your finances and learn as you go.

Checking Account Features

  • Mobile wallet payment options
  • Zero liability for unauthorized debit card transactions ²
  • 24/7 debit card fraud monitoring
  • Unlimited surcharge-free access to CO-OP ATMs
  • Overdraft Protection Options
Checking Comparison



Monthly Service Fee
No
No
Waived with minimum balance*
APY up to
No
2.27%*
.50%*
ATM Refunds
Yes*
Yes*
First 8 free*
Connection Points
No
No
Yes

APY = Annual Percentage Yield

*Qualifications required. See our Rate & Fee Schedule for more information.

We also offer a low monthly service fee account for a second chance. Explore Ascend Checking.

Checking Comparison

APY = Annual Percentage Yield

*Qualifications required. See our Rate & Fee Schedule for more information.

We also offer a low monthly service fee account for a second chance. Explore Ascend Checking.

EDUCATION

Helping Them Out

One of the biggest challenges facing college kids is managing their own money. For many young people, this is their first time acting without the complete oversight of their parents.

Read more about young adult financial challenges

Graduating? Here's How to Become Financially Independent

If you’re embarking on that walk across the graduation stage to get your degree — congratulations! Whether you’re headed toward the job market, more training or some other avenue, financial independence is closer than it was before. Not all college grads achieve it right away — Zillow reports an “explosion” in the number living with parents — but it’s something to aim for. 

Read more about becoming financially independent

Visit Our Blog

"I appreciate the interest earned on my checking account balance. I think it's a good deal for the rates they offer. And I appreciate the reimbursements for ATM fees when you meet basic requirements."

Ursula, member since 2006

Read More Member Stories

¹ Message and data rates may apply. Check with your mobile provider.

² Zero Liability Policy does not apply to ATM transactions, to PIN transactions not processed by Visa, or if you were negligent or fraudulent in the handling of your card, including failure to report loss or theft in a timely manner.

Visa is a registered trademark of Visa International Service Association.

CO-OP ATMSM is a mark of CO-OP Financial Services.