Personal Accounts
Account Features
Our personal accounts are packed with perks, like free person-to-person transfers, no-fee ATM access, and mobile wallet capabilities. Plus, you can manage your accounts 24/7 through Web Branch and our Mobile App.
Account Options at a Glance
UW Credit Union offers a variety of accounts to fit your lifestyle and meet your needs. Learn more about your options and choose the account that works best for you.
All checking accounts include the following benefits:
Not eligible for any of the above standard accounts? View information about our Encore Account here.
Rewards Checking (Premium, Value, Access) – OPEN AN ACCOUNT
Classic checking with overdraft protection and money-saving benefits. Best if you want a full-service account and added discounts. Monthly fee is $0 with Qualifying Services. Otherwise $5-$10 monthly.
- No minimum balance
- Paper checks available
- Overdraft Protection1
- Auto loan rate discount (Value and Premium only)
- Interest earned on balances (Premium only)
- Rate increase on certificates (Premium only)
- Discount on mortgage closing costs (Premium only)
- Free cashier’s checks and money orders
Clear Account – OPEN AN ACCOUNT
Simple, modern account with no checks and no overdrafts. Best if you want an easy, paperless account. Monthly fee is $0 with Direct Deposit. Otherwise $5 monthly.
- No minimum balance
Launch Account – VISIT A BRANCH TO OPEN
Youth account with no fees – for teens ages 14-17 years old only. Monthly fee is $0.
- No minimum balance
Looking for information about our Encore Account? Click here.
Which Account Is Right for You?
Rewards Checking
For a traditional account with valuable features and discounts, Rewards Checking has three options to choose from: Access, Value and Premium. All accounts include:
- No monthly fee with Qualifying Services
- Overdraft protection to prevent declined transactions1
- Paper checks available
- No minimum balance
- Free debit card
Rewards Access Checking
Access is our entry-level Rewards Checking option, providing all of our standard features.
Rewards Value Checking
In addition to our base perks, Value also offers account holders a rate discount on auto loans.
Rewards Premium Checking
As the most robust Rewards Checking option, Premium includes a range of money-saving benefits:
- Rate discount on auto loans
- Interest earned on balances over $1,0002
- Rate increase on certificates
- Discount on mortgage closing costs
- Free cashier’s checks and money orders
- Free box of checks annually
Clear Account
Simplify your finances with an easy, streamlined option. This paperless account has only the features you need, with no paper checks and no overdrafts.
Having no overdrafts means that if you don’t have sufficient funds to make a payment, your transaction will simply be declined, preventing you from overspending and paying overdraft fees.
- No monthly fee when you use Direct Deposit or Mobile Deposit (otherwise, $5 monthly)
- No risk of overdraft – your account should not go negative and will not be charged a fee
- No paper checks – pay bills online with Web Pay
- No minimum balance
- Free debit card
Launch Account
Designed especially for high school students ages 14 to 17, the Launch Account helps teens safely learn how to manage money and gain independence.
There’s no overdraft, which means no surprise fees. If you try to make a purchase and there’s not enough money in your account, the transaction will be declined and your account won’t go negative.
- No monthly fee
- No risk of overdraft
- No paper checks
- No minimum balance
- Free debit card
Please note: Because this account is for minors, you’ll need to visit a branch to open.
Become a Member of UW Credit Union
Joining UW Credit Union is easy. You can become a member based on your location, your job, your school, and even your family members. Learn more about membership eligibility and what you'll need to get started.
