Rewards Checking

Open Account


Get Rewarded for Your Everyday Banking

Enjoy full-service checking with a range of optional benefits and discounts. Choose from three tiers of rewards:

  • Premium Rewards Checking
    Premium includes a range of money-saving benefits such as auto rate discounts, a credit card rewards bump, rate increase on certificates and more. 
  • Value Rewards Checking
    In addition to our base perks, Value also offers a rate discount on auto loans.
  • Access Rewards Checking
    Access is our basic option, providing all of our standard account features.

No matter which account you choose, you'll benefit from time- and money-saving features, including:

  • No minimum balance
  • Free debit card
  • Free online and mobile banking
  • Worldwide ATM coverage

Already Have a UWCU Checking Account?

Change your account type anytime in Web Branch. Select your account, go to the Details tab and choose "Change Checking Package" to get started.

Young man uses a mobile device to access his rewards account


Exclusive debit card designs only
available at UWCU!

UW Credit Union Memorial Union Terrace Debt Card.

Explore All Our Debit Cards

Find Your Best Rewards Option

Premium Rewards Checking

Value Rewards Checking

Access Rewards Checking

Monthly Fee

with 7 Qualifying Services

with 5 Qualifying Services

with 4 Qualifying Services

Minimum Balance Requirement




Minimum Opening Deposit




Overdraft Protection*

Discounts & Benefits

  • 0.25% auto loan rate discount1


Card Security Features

Keep your finances safe and feel secure when you use your debit card.

  • Lock and unlock your card
  • Set up card notifications
  • Get a detailed history

Learn more about account and card security >

Online & Mobile Banking

Access your finances whenever and wherever for the ultimate convenience.

  • View balances and transactions
  • Schedule bill payments
  • Send money to friends
  • Deposit checks in a snap

Learn more about our digital banking features >