Personal  Checking

Smiling couple discussing personal money management

It’s never been easier to manage your money. All of our checking packages are packed with perks, no minimum balance and $0 fee options. Experience 24/7 access, Mobile Deposit, exclusive card designs, free access to your credit score and more.

UW Credit Union personal checking icon demonstrating mobile deposit capabilities
Free Mobile Deposit
UW Credit Union personal checking icon demonstrating worldwide ATM access
Worldwide ATM Coverage
UW Credit Union personal checking icon showing debit cards
Free Debit Cards
UW Credit Union personal checking icon showing a credit score
Free Credit Score
UW Credit Union personal checking icon demonstrating online bill-pay capabilities
Free Online Bill Pay
Enhanced Security

Explore These Features & More

Mobile device showing a UW Credit Union personal checking account

Packed with Perks

We aim to make your life easier with a variety of online banking solutions. Access your accounts 24/7 through Web Branch and our Mobile App:

 Online Banking Solutions

Compare Account Options

Discover the right account for you. Whether you apply online or visit a branch, you can choose an option that offers $0 monthly fee.

 Open An Account

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More for Your Money

No hidden fees and plenty of free perks — that’s what you’ll get our checking. Plus, our account opening process is easy and transparent. Whether you apply online or visit a branch, you can be assured you will be offered an account option right for you.

 Free Perks

Checking Packages

  • Premium – Monthly fee waived with 7+ Qualifying Services (or $30K in average combined balance in deposit and/or loan accounts**). Otherwise, $10 monthly.
  • Value – Monthly fee waived with 5+ Qualifying Services (or $20K in average combined balance in deposit and/or loan accounts**). Otherwise $8 monthly.
  • Access – Monthly fee waived with 4+ Qualifying Services (or $10K in average combined balance in deposit and/or loan accounts**). Otherwise $5 monthly.

  Open An Account

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 line-up 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

Young man walking outside while viewing his UW Credit Union checking account on his mobile device

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.

Exclusive Card Designs

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

Open an Account

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

Become a member of UW Credit Union - meet our staff in person or apply online.