Your checking account is one of the financial tools you use most often. It helps you pay bills, make purchases, access cash, and manage everyday expenses. But not all checking accounts are created equal.

If you haven’t reviewed your account features lately, now may be a good time to make sure you’re getting the value and convenience you deserve.

Start with the Basics

A checking account should make managing your money easier, not more expensive.

At UHS Employees FCU, checking accounts are designed with simplicity in mind:

• No monthly fees
• No maintenance fees
• No minimum balance requirements
• Free to open and use

That means you can focus on managing your money instead of worrying about unnecessary account charges.

Protect Yourself from Overdraft Surprises

Unexpected expenses happen. That’s why it’s important to understand your overdraft protection options.

Members can choose:

Overdraft from Share

For a small per-transaction fee, funds can automatically transfer from an eligible share account to help cover purchases and avoid declined transactions.

Overdraft from Line of Credit

This pre-approved loan option provides additional flexibility when you need it. Best of all, there is no cost unless you use it.

Having a plan in place can help you navigate unexpected situations with confidence.

Use Your Debit Card Wisely

Your debit card does more than provide access to your checking account. It can also help you make secure purchases wherever you go.

UHS Employees FCU debit cards offer:

• Compatibility with Apple Pay®, Samsung Pay®, and Google Pay™
• Advanced fraud protection
• Access to local support when questions arise

A few smart habits can help keep your card secure:

• Select “credit” at checkout unless you need cash back
• Keep your PIN private
• Notify the credit union before traveling

Convenient Access to Your Money

Need cash while you’re on the go?

Members enjoy access to more surcharge-free ATMs throughout the Southern Tier than any other financial institution, including M&T ATMs and other participating locations.

That means fewer fees and more convenient access to your money.

Make Your Checking Account Work Harder

A checking account should provide convenience, security, and value. Taking advantage of available features can help you manage your money more effectively every day. If you’re not sure whether you’re getting the most from your current account, now is a great time to take a closer look.