Ultimate Checking

young woman holding debit card

How much are you earning with your current checking account?

Let's say you made 10 qualifying purchases last month totaling $1,000. With our Ultimate Checking, you would have received $5 in cash back, automatically, at the end of the month. If you made more transactions, you would have gotten even more rewards! There are no minimums or caps on what you can earn with Ultimate Checking - all you have to do is something you do every day - use your check card!

With other cash back checking accounts that pay $0.10 per qualifying transaction, you would have only earned $0.50 in rewards for the same purchases. You would have to wait until the end of the year to cash in, and you would be subject to minimum qualifying transaction amounts. You deserve better than that!

Make your money work for you and make the switch to Ultimate Checking today!

Other benefits include:

  • Monthly Money equaling 1/2% of your net retail "swipe & sign" check card purchases*
  • Instant Issue Unique Check Card – you may change the picture on the card as much as you like
  • No monthly fee with qualifying automatic deposit or average daily balance and E-Statement**
  • OOPS (Occasional Overdraft Privilege Service) up to $700***

Your Instant Issue Unique Check Card offers cash rewards! Personalize your card with the image of your choice – your kids, pets, or a favorite sport. You’ll get it immediately, and you can change the image as often as you’d like.

With all UNITED SA Checking Accounts, you’ll enjoy:

  • No minimum balance requirement
  • Low $25 minimum opening deposit (less if you commit your net pay)
  • No per-check fee
  • Unlimited check writing
  • Online check ordering
  • Free E-Statements
  • Free UNITED SA Mobile app with U-Deposit and U Manage It
  • Free E-Teller online account access
  • Free Audio Response System telephone account access
  • Free E-Bills with unlimited payments
  • FREE Ampre cash back check card offers - learn more!
  • Unlimited free transactions at any UNITED SA-owned ATM
  • Unlimited FREE transactions at almost 30,000 ATMs in the nationwide CO-OP ATM Network
  • Use of any Firstmark CU, River City FCU, Baptist FCU and Air Force FCU ATM surcharge free
  • Account access at over 5,000 CO-OP Shared Branches nationwide
  • Automatic deposit and electronic credits and debits accepted: ACH routing number = 314088860

Already have a UNITED SA Checking Account and want to upgrade to Ultimate Checking? Complete our easy online form, and we'll take care of the rest!

Must meet membership requirements and open and maintain a UNITED SA Savings Account with a $5 balance.

*Monthly Money amount is determined by the date that qualifying transactions post to the account.

**$5 monthly fee without automatic deposit or average daily balance of at least $500 per month. $5 monthly paper statement fee without E-Statements.

***A waiting period may apply.

From the UNITED SA Credit Union website, you may access links that will leave our website and take you to a site we do not operate. UNITED SA is not responsible for the content or availability of linked sites. Please be advised that we do not represent either the third party or you if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from ours.