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Explore our checking account options to find the best account and features for your needs.

Rewards Checking Account Details	Clear Account Account Details
What is it?
Full-service checking with three account types: Premium, Value and Access.	Simple, modern account with no checks and no overdrafts.
Best if...
You want Overdraft Protection¹ and added discounts.	You want an account that you cannot overdraw and you do not need paper checks.
Monthly Fee
$0 With Qualifying Services Otherwise $5-10 monthly	$0 With Direct or Mobile Deposit* Otherwise $5 monthly
Minimum Balance Requirement
$0	$0
Minimum Opening Deposit
$50	$50
Benefits
Added benefits may include: 0.25% auto loan rate discount² Earns interest³ $250 mortgage closing cost credit Higher certificate rates Free cashier's checks Free money orders Free box of checks per year
Get Started
Open Account Learn More About Rewards	Open Account Learn More About Clear

Not eligible for any of the above standard accounts? View information about our Encore Account.

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All Accounts Also Include:

Routing Number 275979076

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Note: some features and services may not be available to primary owners under age 18.

Simple Disclosure - Premium
Simple Disclosure - Value
Simple Disclosure - Access
Simple Disclosure - Clear
Simple Disclosure - Encore

Federal Deposit Insurance

Member's Guide to Services

¹We're committed to fairness and transparency in our overdraft practices. We don't assess overdraft/NSF fees for debit card transactions except for overdrafts related to recurring debit card transactions like health club dues. A $10 negative available account balance grace threshold is also provided (members who overdraw their account by less than $10 will not be charged an overdraft fee). UW Credit Union limits overdraft fees to no more than one per business day. Members will have 45 days to bring the account current. Payment of overdrafts is discretionary. Please see overdraft practices for a comprehensive discussion of our overdraft practices.

²New Value Rewards Checking and Premium Rewards Checking accountholders qualify for a rate discount of 0.25% on their UW Credit Union auto loan. One rate discount per first checking account only. Offer is only available for accountholders of new checking accounts opened after July 24, 2019.

³Premium checking dividends are earned on collected balances of $1,000 or more each month. View additional details.

*Active Direct Deposit or Mobile Deposit payments are completed within the previous four months and must total at least $200 in an active month.

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