Earn up to 5.00% APY1 with an Ultra Checking Account.
You can earn up to 5.00% APY on an Ultra Checking account.1 That adds up to more than pocket change for balances up to $10,000. You're on your way to earning your maximum checking dividends.
We are dedicated to helping every Member within every community we're a part of. Feel at ease knowing we have your back during tough times.
Manage your money easily, when and how you want, with instant access online or from as many mobile devices as you can handle.
Save time by making a deposit without having to drive to a branch by depositing checks directly from your smartphone -- just snap a picture of your check with a smartphone via the United app.
Zelle® is a convenient way to send money using your mobile banking app or online banking account.6
Get added security by having your monthly statement sent directly to your email.
Experience the convenience of the globally accepted Visa® Debit Card included with the Ultra Checking Account from United, making everyday purchases hassle-free from the donut shop to the movie theater and beyond.
Additional options are available for secure and convenient payments when you have Digital Wallet. Use Apple Pay®, Google Pay™, and Samsung Pay to buy what you want with one tap or click of your smartphone.7
Easily track your monthly number of swipes to make sure you’ll earn the full 5% APY. Find this tool in Online Banking under the Services Menu, then click on the tile titled 'Bonus Dividend Status'.
Ultra Checking |
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|---|---|---|---|
| Effective Date: August 01, 2024 | |||
| Account Type | Minimum Amount | Dividend Rate | APY1 |
| Base Rate | $0.00 | 0.050% | 0.05% |
| Bonus Rate | $0.00 | 4.841% | 4.95% |
| TOTAL Rate | $0.00 | 4.891% | 5.00% |
| Base Rate | Over $10,000 | 0.100% | 0.10% |
| Bonus Rate | Over $10,000 | 0.000% | 0.00% |
| TOTAL Rate | Over $10,000 | 0.100% | 0.10% |
| [1] Annual Percentage Yield (APY) accurate as of the last dividend declaration date. 5.00% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met; 0.05% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements are not met; 0.10% APY earned on the portion of your daily balance that is greater than $10,000. Monthly requirements for Bonus APY: (a) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement (“Tax Reported Owner”) is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; (b) 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account is posted by 11:59 PM ET on the second to last calendar day of the dividend period; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member. | |||
If you know your current PIN, you can also call (866) 238-5378 to request a new personalized PIN. This change will take effect immediately.
just $50 will get you started
Compare Ultra Checking to our Rewards Checking account, read our FAQs, and learn about United to make the decision easier.