Smart Checking Account

Our Checking Account offers convenience without the costs!

Need help balancing your checking account? - Take our FREE Money Management Online Class - Managing Your Checking Account

  • No monthly service fee
  • No minimum balance requirement
  • Unlimited check writing privileges
  • Unlimited transactions at Alliance One and select Money Pass ATMs
  • Surcharge free ATMs at our credit union locations
  • Free Home Banking
  • Free Online Bill Pay - requires one transaction at least every 90 days to avoid a non-activity fee
  • Free Debit MasterCard
  • Overdraft Privilege for qualifying accounts
  • Direct Deposit and Payroll Deductions
  • Easy Switch Kit
  • Reorder Checks online

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 Online Bill Pay - requires one transaction at least every 90 days to avoid a non-activity fee
  • Free Debit MasterCard
  • Overdraft Privilege for qualifying accounts
  • Direct Deposit and Payroll Deduction

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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.

Courtesy 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 transactions and recurring Debit Card purchases up to the Member Overdraft Privilege limit of $400 and charge you the same fee ($30.00) 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 Courtesy Overdraft Privilege. For additional information, click here

ATM/Debit card courtesy overdraft privilege

In order to enjoy the same overdraft coverage when you use the ATM and one-time Debit card transactions you must opt-in for this valuable service.

By choosing to opt-in, you can have comfort in knowing that you could have a safety net to protect you in case of an error in your checkbook or temporary cash shortage. By opting in, we may continue to approve and pay your ATM withdrawals and everyday debit card purchases up to your overdraft limit of $400.00. This could save you the embarrassment of having your debit card declined at the grocery store, restaurant, etc. We will charge our standard Non Sufficient Fund (NSF) fee of $30, but your purchase or cash withdrawal will be approved. 

You have several options if you would like to opt into this service.

If you have questions please look at our Frequently Ask Questions or call us, we are here to serve you.

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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 1-800-472-3272 immediately.


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.


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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 click on the logon link from the home page and follow the enroll online link on the left side.



Upgrade to Online Bill Pay will take place on August 23, 2016.

What is Online Bill Pay?

To use Online Bill Pay you must be enrolled in Home Banking first. If you are already signed up for home banking and have a checking account you can sign up for Online Bill Pay when you log into the home banking site. Online bill pay allows you to pay virtually anyone or any company through your checking or money market checking. You determine who you want to pay, when you want to make the payment, and the account you want the payment to come from.

Benefits of Online Bill Pay are:

* Save Time *     * Save Money *     * Stay Organized *

* Gain Peace of Mind *     * Helps the Environment & Saves Paper *


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 6 months. This is a FREE service, that you sign up for in home banking. Sign-up for E-statements in home banking on the Self Services Tab.

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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

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Financial Calculators
Online Applications
Free ATM Access