Qualifying Services

At UW Credit Union, we don't want our members to pay monthly checking fees. That's why we provide many Qualifying Services - actions you can take to waive the fee.


See How Easy It Is

Your First Qualifying Services

Our most common accounts and features count as Qualifying Services:

  • Savings Account
  • Checking Account
  • Paperless Statements
  • Debit Card (use at least once every 4 months)
  • Direct or Mobile Deposit (of at least $200 per month, at least once every 4 months)

Go Further

Additional Qualifying Services

To help support your financial journey, most of our savings and lending products count as Qualifying Services. Multiple accounts within the same category still count as 1 Qualifying Service.

  • Credit Card (use at least once every 4 months)
  • Vehicle Loan
  • Reserve Line of Credit or Personal Loan
  • Home Loan
  • Home Equity Line & Loan (min. balance $500)
  • Student Loan
  • Investments
  • Long-Term Asset
    • Money Market (min. balance $2,500)
    • Certificate
    • IRA (min. balance $500)
    • College Fund (min. balance $500)

Membership Qualifying Service

Your longstanding membership also counts as a Qualifying Service.

  • Member for 10+ Years


Which Account Is Right For You?

  • Clear Account
    No monthly fee with active Direct or Mobile Deposit.  
  • Access Rewards Checking
    No monthly fee with 4 services. 
  • Value Rewards Checking
    No monthly fee with 5 services. 
  • Premium Rewards Checking
    No monthly fee with 7 services. 

Open Account


Have questions or need help?

Our team is ready to help guide you in finding the right account. 

Schedule an Appointment Visit a Branch


Why Qualifying Services?

We are a member-owned, not-for-profit financial cooperative. The more you use our products and services, the more we can give back to you in the form of great rates and fewer fees.

We offer a range of optional Qualifying Services to support your financial health, keep our credit union strong, and help you avoid fees.