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Checking Accounts (Share Draft)

No monthly fees. No maintenance fees. No minimum balance requirement. Just a checking account that is free to apply for and free to use. We’ll even buy you your first box of checks.

Be sure to protect your checking account from accidental overdraft, this will protect you from the expense of accidentally overdrawing your account.

• Overdraft from Share: This costs $2.00 each time and may not exceed a combined total of six telephone, and remote electronic access device initiated transfer and automated over draft transfers from the same share account in the same month (Per Regulation D).
• Overdraft from Line-of-Credit: This protection is a pre-approved loan and is free to apply for and costs nothing until you use it. When you do accidentally overdraw your account, the amount is covered by your loan. You then pay interest daily on the amount that you borrowed. If well-managed, a line-of-credit can be even less expensive than the fee to overdraft from your share account.

Online Bill Pay-No Need for Checks!

Sign up for e-statements and get online bill pay at no cost!

• • Pay your bills online
  • Schedule recurring payments so regular monthly bills always get paid on time
  • Send money to yourself, or someone else, at other financial institutions at no cost!
  • Bill pay for Members with paper statements will pay $0.50 per bill.
  • Click Here to View a Demo

Debit Cards

With a UHS Employees FCU checking account you will have access to our debit card that is accepted almost everywhere you go.  Our debit cards are compatible with Apple Pay®, Samsung Pay® and Google Pay™.  This will allow you to shop securely and privately, your actual card number is not stored on your device, instead a virtual token is used to transmit your payments so that your card number and identity are not revealed to merchants.  To set up Apple Pay®, Samsung Pay® or Google Pay™ simply add your card information into your device’s mobile wallet.  Once the card is verified, you’re ready to start making purchase.

Though it is a debit card, which is drawn off of your checking account, please always remember to select “credit”  when making purchases at a store.  If you need cash back, only then do you select “debit” and enter your PIN.  Your PIN should be kept confidential and only used to get cash back or to withdraw cash from an ATM. We employ sophisticated security to protect your card against fraudulent activity. To assist us in protecting your account, please give us a call if your are planning a trip outside of your local area, particularly prior to international travel, including Canada. This will ensure that our security features do not interfere with your card while traveling.

Surcharge-free ATMs

Our debit card provides you with access to more surcharge-free ATMs throughout the Southern Tier than any other financial institution. Any M&T ATM and numerous other financial institutions ATMs are free of charge with our debit card!