Qualifying Services

At UW Credit Union, we don't want anyone to pay a monthly checking fee. That's why we provide many Qualifying Services to help keep your account free.


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 (use at least once every 4 months, at least $200 in a month)

Go Further

Additional Qualifying Services

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 or 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


Compare Accounts

Find your best account and avoid monthly fees:

Clear Account
No fee with active Direct or Mobile Deposit.  

Access Rewards Checking
No fee with 4 services. 

Value Rewards Checking
No fee with 5 services. 

Premium Rewards Checking
No fee with 7 services. 

Open your account online. Switch account types again anytime.

Open Account

View Your Services

Already have an account? Log in to Web Branch to manage your Qualifying Services.

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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.