Encore Account

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If you’ve been through financial difficulties, UW Credit Union may offer you the opportunity to open an Encore Account. This specialized account is available to those who need a second chance and are looking to rebuild their finances. Encore is a low-fee alternative to check cashing companies designed to give you a fresh start.

  • $5 monthly fee with Direct Deposit or Mobile Deposit (otherwise, $10 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
  • 24/7 online and mobile account access
  • No minimum balance
  • Free debit card

Because there is no overdraft, your account should not be overdrawn. If money is not available in your account, the transaction will be declined and you won’t incur overdraft fees.

After one year of successfully managing your Encore Account, you’ll have the option to upgrade to our Rewards Checking or Clear Account, both of which offer increased flexibility and features.

Interested in Encore? If you think Encore is right for you, we ask that you first apply for one of our other accounts. If Encore is a better fit for your situation, we’ll direct you to it during the application process.

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Individual checking their UW Credit Union accounts securely on a mobile device and laptop

We Can Help

Have questions or need help? Our team is ready to help guide you in finding the right account. 

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