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Checking Accounts

No Monthly Fees. No Maintenance Fees. No Minimum Balance Requirement

Say goodbye to fees and hello to a truly free checking account built with you in mind. Our checking accounts are:

● No Fees: No monthly fees, no maintenance fees, and no minimum balance requirements.

● Accessible: Free to apply and free to use.

● Member-Focused: Designed to simplify your life while providing great value.

Order Checks

Need checks? We’ve made it easy for you. Plus, our team is here to guide you in protecting your account from accidental overdrafts—because we’re dedicated to your financial success.

checking accounts

Overdraft from Share

For just $2.00 per transaction, you can ensure your account stays in good standing. Keep in mind that Regulation D limits you to six telephone, remote electronic access device, and automated overdraft transfers per month from the same share account.

Overdraft from Line-of-Credit

Enjoy peace of mind with this pre-approved loan option. It’s free to apply and only costs when you use it. If you need assistance managing your line of credit, our friendly, knowledgeable staff are just a call away to help you make the most of your financial tools.

online bill pay

Online Bill Pay – Fast, Easy, AND Free

Make bill-paying a breeze! Sign up for e-statements and enjoy online bill pay at no cost. Here’s what you can do:

● Pay bills online quickly and securely

● Schedule recurring payments to avoid missed deadlines

● Transfer money to yourself or others at no charge

Prefer paper statements? Bill pay is still available for just $0.50 per bill. [View our Bill Pay Demo to learn more.]

Debit Cards That Go the Extra Mile

When you open a UHS Employees FCU checking account, you’ll get a debit card that’s widely accepted and packed with features:

● Secure Transactions: Compatible with Apple Pay®, Samsung Pay®, and Google Pay™ for contactless, private payments.

● Fraud Protection: Sophisticated security keeps your card and identity safe.

● Real Support: Have questions about your card? Call us and talk to a real person who’s here to help.

Pro Tips for Using Your Debit Card:

● Choose “credit” at the register unless you’re getting cash back.

● Keep your PIN confidential and use it only for cash withdrawals or cashback transactions.

● Planning to travel? Let us know in advance to ensure uninterrupted card access.

Surcharge-Free ATMs

Enjoy access to more surcharge-free ATMs across the Southern Tier than any other financial institution. Use your UHS Employees FCU debit card at M&T ATMs and many other partner ATMs for free!

Personalized Service You Can Count On

When you choose a UHS Employees FCU checking account, you’re not just a number. Our member-focused approach ensures you receive:

● Individualized Financial Help: Tailored guidance to meet your unique needs.

● Real People, Real Help: Whenever you call, you’ll speak with someone who’s here to support you—no automated runarounds.

Open a checking account today and experience the difference of personalized, member-focused banking!