Checking Accounts

Refer a Friend Offer - Banner with a group of friends smiling

When you get a UICCU checking account, you are joining a strong financial team while supporting your community.  Our checking accounts offer the features you love like direct deposit, ATM access, online services and mobile app, and a card design that has as much campus and community support as you do.

Access your account anywhere, enjoy local and convenient branches, and shop in style… all with a UICCU checking account.  Open yours today!

Open A Checking Account

Checking Account Benefits


Online and Mobile Services

Take your account with you. Our online banking and mobile app will give you access anywhere!

Credit Card Icon

Debit Card

Enjoy the convenience of cash, without the hassle. Shop in style with our VISA debit card!

dollar bill

Convenient ATM Access

Access over 50,000 surcharge-free ATMs across the nation.


Easy Account Switching

Don’t fear the switch! We’ve teamed up with clickSWITCH to help you switch your account in minutes.

money sign

No Minimum Balances

No more worrying about juggling your bills and expenses with a minimum balance requirement.

Safe Icon

Overdraft Protection

Life happens and sometimes you need to be flexible. Overdraft protection has your back when life gets tough.

Open Your Checking Account Today!

Open a Checking Account

Earn Cash Back!

Prime Day Offer - Use Your Debit Card and Earn up to 25**

Use your UICCU debit card on $1500 worth of Amazon and Paypal purchases and get a $25 CREDIT!**

Stock up on everything you need during Prime Day and back-to-school shopping between July 1st – September 30th and get rewarded. Be sure to get your card today!

Checking Account Options

Loyalty Checking Icon - Check with a heart above

Loyalty Checking

The more you use your account and UICCU products/services, the more this checking account rewards you.

Loyalty Checking
Illini Plus Checking Icon

Illini PLUS Checking

Protect your finances and save money with this benefit-packed account.

Illini Plus
iChecking Icon - Check with a graduation cap


Our iChecking account is specifically designed to help students make their money go further.


Compare Checking Accounts

 Illini Plus CheckingLoyalty CheckingiChecking
Perfect For:AnyoneAnyoneStudents
Monthly Fee$6.00$6.00*

*Learn how to waive this fee.
Minimum BalanceNoneNoneNone
Online BankingYesYesYes
Mobile AppYesYesYes
Free Debit CardYesNo*

*Learn how to get a free debit card.
Overdraft ProtectionYesYesYes
Earns DividendsYesYes*

*Learn how to earn dividends.

Ready to experience better banking? Check out UICCU Checking!

Get Started


**Promotion applies to applicable purchases from Amazon and Paypal 7/1/2019 – 9/30/2019. $25 will be deposited into your checking account associated with your UICCU Debit Card when you spend $1500 or more on Amazon and Paypal purchases using your UICCU Debit Card 7/1/2019 – 9/30/2019. Members are eligible for one bonus offer during the promotional period. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Allow up to 60 days after promotional period for deposit to be credited to your account.