Rewards Checking

With several types of accounts to choose from, discover the option that best meets your needs.


Get Rewarded for Your Everyday Banking

Rewards Checking offers a full-service account with a range of optional benefits and discounts, depending on which type of account you select.

There are three levels of Rewards Checking to choose from: Access, Value and Premium. All accounts offer time- and money-saving features, including:

  • No minimum balance
  • Free debit card
  • Free online and mobile banking
  • Worldwide ATM coverage
Young man uses a mobile device to access his rewards account

Choose Your Rewards




Monthly Fee

with 7 Qualifying Services or $30K in total relationship balances.** Otherwise $10 monthly.

with 5 Qualifying Services or $20K in total relationship balances.** Otherwise $8 monthly.

with 4 Qualifying Services or $10K in total relationship balances.** Otherwise $5 monthly.

Rate Discount on Auto Loans

Earns Interest4

Rate Increase on Certificates

Discounts on Mortgage Closing Costs

Free Box of Checks Per Year

Free Cashier's Checks & Money Orders

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24/7 Smart & Secure Account Access

Whichever account you choose, you’ll enjoy best-in-class online and mobile banking technology.

  • Web BranchLog in to manage your accounts from your home computer or wherever you go. View balances and transaction history, set up recurring and one-time bill payments, make transfers between accounts and to other people, and much more.
  • Mobile AppDownload our Mobile App and do your banking with just a tap. Deposit checks instantly, pay bills, make transfers, find nearby ATMs, and more.
  • Mobile WalletLink your account to your device’s Mobile Wallet (Apple Pay, Samsung Pay and Google Pay™) for a quick and secure way to pay.
  • Budgeting ToolsWe support your financial health. Use online features to create goals and track your progress, check your credit score for free, and view reports to see how you’re spending your money.
  • Security FeaturesStay protected with additional safety measures. Turn your cards on and off instantly, set up Notifications to receive alerts and updates, and opt in for Mobile Travel Verification to identify legitimate purchases when traveling.

Learn More

Consumer-Friendly Overdraft Practices

We save our members over $10.5 million a year in overdraft fees.*

Overdrafts can happen to even the most careful of people, and unlike most financial institutions, we’ve designed our overdraft business practices and services so that you can keep more of what you earn. For your protection and peace of mind, we offer a consumer-friendly1 lineup of overdraft protection options:

  • Transfer from Savings
    If a transfer from your savings would prevent an overdraft, we’ll automatically transfer the money in $100 increments for a $5 transfer fee.2

  • Reserve Line of Credit
    If you have a Reserve Line of Credit and there isn’t enough available balance in your savings, we’ll automatically transfer the money in $100 increments up to your credit limit for a $5 transfer fee.2

  • Basic Reserve
    As a last defense, all checking accounts open over 90 days have Basic Reserve3 coverage. There’s a $30 charge for this service, the same fee as a returned check, but you’ll save the fees charged by merchants.

Our Practices

Exclusive Card Designs

Select your favorite card design—you can even show your school spirit with a campus debit card.

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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.

Join Today