Checking Accounts

Open a Checking Account

4UCU knows that you need options when it comes to how you manage your money. To do this, we offer ten different checking accounts, all set up to meet you where you are and empower you for the life you want.

All of our Checking Accounts allow members access to their funds via paper and electronic devices, such as paper checks, ACH, ATMs, Debit Cards and through the Internet or Telephone.

Kasasa Checking Accounts

All Kasasa Checking Accounts offer the following:

FREE
ATM withdrawal fee refunds (up to $25)
Qualifiers to earn rewards
- Minimum 15 debit card purchases with minimum purchase amount of $5
- At least 1 Direct Deposit
- Enrolled in and agree to receive E-Statements
- Don’t worry if you don’t qualify your account is still FREE and you can qualify again next month.
$25 minimum deposit required to open
No monthly service charge
No minimum balance
Free unlimited check writing
Free initial debit card card mailed to you
Overdraft protection is available
Free online banking and bill pay
Free access to Teller Hotline
Monthly Statements

*Must pass required Chexsystems processing to qualify for account

Kasasa Cash (Earn high dividends)

Our Kasasa Cash accounts help you earn dividends up to $10,000

Kasasa Cash Back

Our Kasasa Cash Back Accounts earn 3% cash back on debit purchases and $7.50 total cash back from monthly qualification cycle.

Kasasa Tunes

Our Kasasa Tunes account offers reimbursement for online purchases on Apple iTunes, Google Play, and Amazon.com up to $10. Enjoy a sign up bonus of $20 in free purchases from Apple iTunes, Google Play, or Amazon.com.

Open An Account >

Other Checking Accounts

4Teens Checking

Ages 15-18
$25 minimum deposit required to open
Free monthly service charge
Free initial debit card or ATM card mailed to you
Free online banking and bill pay
Free E-Statements
Free access to Teller Hotline
Parent or Legal Guardian must be a signer on account

Open An Account >

Free Checking

$25 minimum deposit required to open
No monthly service charge
No minimum balance
Free unlimited check writing
Free initial debit card or ATM card mailed to you
Overdraft protection is available
Free online banking and bill pay
Free E-Statements
Free access to Teller Hotline
Mobile Deposit Capture
Monthly Statements

Open An Account >

Enhanced Checking

$25 minimum deposit required to open
$100 minimum daily balance to obtain disclosed annual percentage yield, dividends are compounded and paid monthly
$300 minimum balance to avoid monthly service charge of $8
Unlimited check writing
Free initial debit card or ATM card mailed to you
Overdraft protection is available
Free online banking and bill pay
Free E-Statements
Free access to Teller Hotline
Mobile Deposit Capture
Monthly statements

Open An Account >

Silver Checking

Must be 65 years of age or older
$25 minimum deposit required to open
No monthly service charge
Free checks (1 box per calendar year)
Unlimited check writing
Free initial debit card or ATM card mailed to you
Overdraft protection is available
Free online banking and bill pay
Free E-Statements
Free access to Teller Hotline
Mobile Deposit Capture
Monthly statements

Open An Account >

Fresh Start Checking

If you do not qualify for the above checking accounts we have an account to help you get a Fresh Start

$25 minimum deposit required to open
$10 per month service charge / $7.50 with direct deposit
No minimum balance
Unlimited check writing
Free initial ATM card mailed to you (not eligible for debit card)
Free E-Statements
Monthly Statements
Not eligible for overdraft protection
Eligible to switch to Free Checking after 12 months, if the account is maintained properly