Checking Accounts

Checking perks? We’ve got ’em!

Enjoy all of the awesome features of a checking account at UICCU and get access to the exclusive Illini Debit Card.
Open your free checking account today!

Open Checking
Don’t have Digital Banking? Open account without logging in.

Checking Account Options

iChecking

A no-frills checking account.

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Loyalty Checking

It pays to stay loyal.

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Teens iChecking

Available to minors age 11 and older.

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Your paycheck, up to two days early. Insert happy dance!

Waiting for Friday is old news. Now, you can set up your direct deposit and get paid up to two days early! Yeah…we said two days early!¹
Why stop there?! These perks keep going when you set up your direct deposit.

Get a 0.5% discount on the interest rate on your next loan¹
Get your tax refund early too, just like your paycheck!

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Included With All Checking Accounts

No minimum balance
Tap-to-pay debit card
Google, Samsung, Apple Pay
Digital Banking
Free e-statement
Over 50,000 surcharge free ATMs across the nation
Optional overdraft coverage from savings
Overdraft Protection

Quick Open Schedule an appointment

Don’t have Digital Banking? Open account without logging in.

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Budgeting

Income and Expenses

Everyone spends money, but many people don’t know how to track how much they’re spending or how to prioritize it.

Easy Peasy Budgeting!

Many of us have, at one time or many times, made a New Year’s resolution to start budgeting our money. Good News! Budgeting does not have to be hard!

¹When you receive recurring direct deposit to your UICCU account, you may be able to access your funds up to three days early. No waiting for your money, and no paper check to get lost in the mail. You’ll get paid the same day the money is available – which could be up to three days before traditional banks. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer and may vary with each deposit. We generally make these funds available on the day the payment file is received, which may be up to three days earlier than the scheduled payment date. 0.5% discount on loan Annual Percentage Rate (APR) for members with a UICCU checking account with established direct deposit is available for consumer loans but excludes Mortgages, lines of credit, RV/balloon loans, VISA, and any other promotional or special APR offers. If a first direct deposit has not been received to your account prior to loan funding, proof of a direct deposit establishment may be required. APR discounts for direct deposit cannot be combined with any other APR discounts pertaining to checking accounts. All loans subject to credit approval and all applicants must qualify for and open a membership account at UICCU before loan funding. Offer available for a limited time and may be withdrawn without notice. Other restrictions may apply. Consult a UICCU representative for further information. ▲