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Checking
Switch to Smart Checking at Unity Catholic Federal Credit Union and forget about all the penalties and fees!
Smart Checking Account
Our FREE Checking Account offers convenience without the cost…plus the ability to earn dividends!
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Dividends
Maintain a balance of $100 and earn dividends on the funds in your Checking Account.
Money Market Checking Accounts
Money Market Checking Accounts are a great way to earn higher dividends with higher balances on a Checking Account. This new account has no balance requirements to open the account, but a minimum of $1,500 must be maintained to earn dividends, which are paid on monthly basis based on the account daily balance. Click here for dividend rates. Features of a Money Market Checking Account are as follows:
- No monthly service fee
- Unlimited check writing privileges
- Unlimited transactions at Alliance One and Money Pass ATMs
- Surcharge free ATMs at all credit union locations
- Free Home Banking
- Free Debit MasterCard
- Overdraft Privilege for qualifying accounts
- Direct Deposit and Payroll Deduction
ATM/Debit MasterCard®
Open a Unity Catholic FCU Checking Account and apply for your free ATM Card or Debit MasterCard. Use an ATM Card for ATM access to your accounts. Use a Debit MasterCard to make purchases from your Checking Account at millions of merchants displaying the MasterCard logo as well at ATMs to get cash. For lost or stolen Unity Catholic FCU ATM/Debit MasterCard, please call 1-800-523-4175 immediately.
ATMs
Access your accounts at ATMs across the country without paying an additional surcharge. The Alliance One network of financial institutions offers over 4,500 ATM machines in 41 states and territories where you can use your Unity Catholic FCU ATM Card or Debit MasterCard. The owners of these ATMs do not assess a foreign ATM charge (the fee to process a transaction for someone who is not one of their account holders). Plus you can visit any Money Pass ATM or use a surcharge-free ATM at one of our offices at your convenience.
Home Banking
Manage your accounts from the comfort of your home or office with free Home Banking. Verify account balances, review transactions, transfer funds between accounts, request a check to be mailed to your home address, and even print copies of cleared checks. To enroll in FREE Home Banking, please contact the credit union.
Online Bill Pay is here!
This service allows members to pay bills online safely and quickly using their Unity Catholic FCU Checking Account. By taking a few minutes to set up your bills, monthly bills can be as quick as the click of a mouse. You’ll be able to schedule payments, review payments, determine dates and amounts to pay your bills.
E-statements – ARE HERE!
Electronic statements allow you to access your account statements through a secure site on the Internet. With E-statements, you can view and print your credit union account statements at your convenience. Once you sign up for E-statements they remain available for 12 months. This is a FREE service, separate from home banking. Sign-up for E-statements will be available on our website.
Direct Deposit / Payroll Deduction
Save time and money by setting up automatic deposits and payments with Direct Deposit or Payroll Deduction. You’ll have access to your money faster and without the need to visit the credit union. Deposit all or portion of your payroll or government check; even spread your deposit across multiple accounts or loans at Unity Catholic FCU. Give us a call to set-up your automatic deposits.
To start direct deposit you will need your member number and our routing number.
Unity Catholic Federal Credit Union routing number - 241081105
Overdraft Protection
Avoid the embarrassment and cost of bounced checks. If your Checking Account balance falls too low to cover a withdrawal, a debit card transaction, or a check, we will automatically transfer funds from your Savings Account to make the payment. You have three free transactions with Overdraft Protection, and the credit union will automatically make the transfer provided the funds are available in the Savings Account.
Overdraft Privilege
We offer a discretionary Overdraft Privilege program available to our valued members. If an overdraft occurs on your Checking Account, we will consider paying the check, ACH, ATM and Debit Card transactions up to the Member Overdraft Privilege limit of $400 and charge you the same fee ($25.00) that we would charge to return it to the merchant. This program saves you the additional merchant fees and hassles of managing a returned check. You will be sent a notice of non-sufficient funds and will be required to bring your account to a positive balance within 30 days. We encourage all of our members to manage their finances responsibly, but if you need it, your credit union is here with Overdraft Privilege. For additional information, click here.
Account Insurance
Your deposit accounts are insured by the National Credit Union Administration. Click here for a brochure on your account insurance.
