- Access to the Illini Debit Card
- No Minimum Balance
- Tap-to-Pay Debit Cards
- Google, Samsung, & Apple Pay
- Digital Banking
Checking Accounts
Big Bank Benefits
These checking accounts do more than hold your money. This is banking that competes with the big guys but from a local, 100% member-owned credit union. Become a member when you open your checking account and see why we’ve been serving Central Illinois since 1932.
Open A Checking Account
Already a member at UICCU? Open another checking account.
Checking Account Benefits
What’s in it for you? Turns out, a whole lot. It’s not just what makes us different, it’s what makes banking easier for your family:
- Free E-statements
- 50,000K+ Surcharge Free ATMs Across the US
- Overdraft Protection
- Optional Overdraft Coverage from Savings Accounts
BTW, did we mention?
Your paycheck, up to two days early. Less waiting. More payday.
Waiting for Friday is old news. Now, you can set up your direct deposit and get paid up to two days early: no more counting down to pay day.1
The good news doesn’t end there. When you set up direct deposit you also get…
- 0.5% discount on the interest rate on your next loan1
- tax refunds early, just like your paycheck!
Learn more about our Get Paid Early program here.
Checking Account Options
Not sure which account is right for you? We got you covered:
| iChecking | Loyalty Checking | Kids & Teens Accounts | |
|---|---|---|---|
| Monthly Fees | ✓ | ✓ | ✓ |
| Get Paid Early Options | ✓ | ✓ | ✓ |
| Loan Discount Opportunities | × | ✓ | × |
| No minimum balance | ✓ | ✓ | ✓ |
| Access to the Illini debit card | ✓ | ✓ | ✓ |
| Best Option For... | Everyday individual banking | Family banking | Kids & teens, 18 and under |
Get Started in Minutes
Done putting up with a “just okay” account? You deserve better. Join thousands across Central Illinois and start earning more with your next paycheck. Open your checking account online or come see us in person!
Open Online
Open your account and find out why our app is the #1 locally rated bank app when you register for online banking.
Don’t have Digital Banking? Open account without logging in.
Appointments
Got a few questions first? No problem! Schedule an appointment and we can chat in person or online.
Locations
Come see us in person! We’ve got branches in Champaign, Vermilion, and McLean counties:
Learn More About…
Budgeting
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. ▲