Our Rewards Checking Rewards Everyone

Whether you’re just starting out on your own, enjoying retirement, or somewhere in the happy middle, you deserve a checking account that fits your lifestyle. 

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Rewards Checking from UW Credit Union makes doing your everyday banking easy and affordable, with no monthly fees, no minimum balance and plenty of benefits.

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Balance Backup1

Take advantage of tools to help you avoid overspending. When it does happen, it won't cost you more than $5 per day2. Seriously.

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Cash Back Bonus

Earn up to 2% cash back3 on your UW Credit Union credit card when you use your Rewards Checking for everyday banking. 

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Early Payday

Send your direct deposits to your Rewards Checking account and you could get paid up to two days sooner4.

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Enjoy even more benefits

Instant access to your digital debit card5

✔ Best-in-class mobile banking app

Discounts on mortgage closing costs6,7,8

Hundreds of fee-free ATMs

✔ Free credit monitoring9

Earn interest on balances over $1,000

Get a checking account designed for modern banking from an institution trusted by people like you for nearly 100 years.  


One account, zero fees, all the rewards!

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Exclusive Debit Card Designs 

Shop in style with a debit card you can only get from UW Credit Union. Show off your school pride, rep your city or add some art to your wallet. 

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Who can Open a Rewards Checking Account?

Just about anyone! We’re proud to serve members in Wisconsin and across the country with innovative banking services designed with your financial well-being in mind. If you can answer yes to any one of these questions we’d love to welcome you to UW Credit Union.

Are you a Wisconsin resident enrolled in or an alum of any accredited institution of higher education worldwide?


Do you live, work, or attend school within 5 miles of any of our 34 convenient branch locations?


Are you an employee, student or alum of UW schools, colleges or extensions?

Do you have an immediate family member who is eligible?


Are you a current or former employee of any of these organizations?

We save our members more than $12 million per year10
It’s time you were one of them.


Ready to get rewarded?

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Join Our Community!

Be Part of Something Brilliant

Become part of our membership of more than 350,000 people to enjoy great rates, fewer fees and a team rooting for your financial success. We're based in Madison and Milwaukee, with campus locations across Wisconsin and members all over the world.

Explore more about our history, values, culture and what it means to be a member of UW Credit Union.