8 AM Classes are Hard. Rewards Checking is Easy.
Our Rewards Checking account is packed with perks to help make doing your everyday banking on campus easy and affordable.
The right checking account for college life
It may seem like all checking accounts are the same – until you run into the hidden fees some institutions charge. And, if you accidentally overspend, you’ll probably get hit with a penalty that can break your budget.
Rewards Checking is different.
No Monthly Fees
With Rewards Checking there are no monthly fees and no minimum balance required.
Get Paid Sooner
Payday is two days away but you need to do laundry like, yesterday? No worries. Rewards Checking’s Early Payday feature could land your money in your account up to two days sooner.3
No Steep Penalties
If you happen to accidentally overspend, we’ll never charge you more than $5 per day.1 Enable Balance Backup2 on your account and avoid the hassle of a declined transaction.
Send and Receive Money Easily
Digital banking tools, like Zelle® included in our mobile app, make sending and receiving money simple.
And there's more!
Open your Rewards Checking account to start taking advantage of these features. It just takes about 15 minutes online. That’s less time than it takes to walk across campus!
- Fee-free ATMs
- Convenient campus branches
- Best-in-class digital banking
- Free credit monitoring4 & counseling
“I love how working with UW Credit Union made my financial transition smoother and easier than I could ever imagine. I was always met with the friendliest people and felt welcome since the beginning.”
– Hilary Blomberg
UW Madison Badger's Women's Softball Player 5
School spirit for your wallet
We've partnered with schools to create exciting debit card designs that let you show your spirit wherever you go - all exclusively available from UW Credit Union. Add your card to your digital wallet6 and make using your account even easier.
Build Credit & Earn Cash Back Bonuses
Our safe-limit Visa® credit card is a great choice for students! With no annual fee7 and the potential to earn 0.5% back in cash back bonuses8 on credit card purchases each month, it’s a simple way to boost your credit score responsibly.
Choose the Campus Package option when you open your Rewards Checking account online to add the safe-limit Visa® credit card to your application.
Why Bank on Campus?
If you have a phone, you can have a bank, so why does it matter if your financial institution has locations near you?
When something happens – overspending, a lost debit or credit card or other emergency – having knowledgeable, judgment-free help available in person can make all the difference.
UW Credit Union can give you the best of both worlds: the convenience of always-on digital banking alongside friendly experts on campus dedicated to helping you succeed financially.
The Credit Union Difference
We know there are a lot of banking options out there, and it seems like more pop up every day. While some of them may be convenient, they don’t have much personalized service. Others simply don’t have experience helping college students navigate their finances, or deep roots in the communities they serve. UW Credit Union does.
Made to serve
As a credit union we answer to our members, not shareholders. It’s why we keep fees low (or eliminate them all together) and deliver best-in-class service online or in person.
Community minded
We support hundreds of worthy causes each year through charitable giving and volunteering, as well as through college scholarships to Wisconsin students.
Future focused
UW Credit Union is an award-winning leader when it comes to green living and responsible business practices.
Committed to inclusivity
One of our top priorities as a financial institution and local employer is fostering an inclusive culture that helps everyone thrive.
Created on campus
UW Credit Union was founded nearly 100 years ago on UW-Madison’s campus. We’ve been serving students like you on Wisconsin campuses ever since.
UW Credit Union can give you the banking services you expect along with the personalized guidance and support you need while you’re in college and long after you graduate.