Checking Accounts


Classic Checking

It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement. Easy accounts that work for you. Your checking account is important to you, which makes it important to us! We know how often you use your Checking Account and you should never have to pay ridiculous fees or sacrifice services.     

  • No minimum deposit to open 

  • Line of Credit for free overdraft (qualified members)

  • No minimum balance or monthly fees

  • Free CardValet – app that gives you control of your debit card

  • Free box of checks when you open the account

  • Free Mobile Banking 

  • Free Online Banking and Bill Payer

  • Free eStatements

  • Over 5,000 branches available through Shared Branching

  • Free Overdraft Protection available

  • Courtesy Pay of $500 (after 90 days some restrictions may apply)

  • Free Phone Banking – Touch Tone Teller 24/7

Getting the best deal takes time and energy. But when it comes to checking accounts, it’s well worth the effort. United Energy Credit Union’s checking accounts can save you money.  


2nd Chance Checking

For some, a checking account may not have worked out in the past due to unforeseen circumstances. We offer second chance checking accounts because we believe in giving people a second chance to prove that they can take care of their finances. After 12 months of successfully maintaining your account you may be allowed to upgrade your checking. You may also qualify for a $500 MasterCard after the 12 month trial period. Courtesy Pay protection of $500 is also available 90 days after you convert to the Classic Checking.  

2nd Chance Checking offers you the opportunity to take your first step towards financial freedom. We believe in fresh starts. If your checking account was closed due to negativity or excessive fees and returned items, you may apply for our 2nd Chance Checking Account. 

  • $50 minimum balance to open

  • $7.95 Monthly Fee

  • No monthly minimum balance 

  • Unlimited check writing and debit card access

  • Free CardValet – app that give you control of your card

  • Free Mobile Banking 

  • Free Online Banking and Bill Payer

  • Free eStatements

  • Over 5,000 branches available through Shared Branching

  • Free Overdraft Protection available

  • Free Phone Banking – Touch Tone Teller 24/7

  • No Payday Lender activity allowed


Overdraft Protection

An overdraft is when you spend more than you have in your account. This could happen anytime you make a purchase, schedule a payment, or withdraw money that causes you to exceed your available balance. Life is busy and things happen, but there is nothing more embarrassing than bouncing a check or having your debit card declined. We know things don't always go as planned, which is why United Energy Credit Union has several options to keep you covered. Get the coverage you deserve with overdraft protection from UECU. We offer several overdraft protection options to save you from those embarrassing moments.

Savings Account 

Your checking account is automatically linked to your primary savings account. UECU will transfer enough funds to cover your check or debit card transactions. Transfers are made for the dollar amount of the overdraft transaction and if multiple overdrafts occur on the same day, a transfer for each transaction will be made to cover those overdrafts as long as the funds are available in your savings. There is no fee for this service. You can also contact the credit union and request that your alternate savings accounts be linked to your checking account or request cross member links be established.    

Line of Credit

Your checking account can also be linked to a Line of Credit loan (LOC). Members would need to apply and be approved for a credit limit. Once a credit limit is approved you can request that your checking account be linked to your LOC. If you do not have enough funds in your savings account to cover the item UECU will transfer funds from your LOC. Transfers are made for the dollar amount of the overdraft transaction and if multiple overdrafts occur on the same day, a transfer for each transaction will be made to cover those overdrafts as long as the funds are available. There is no fee for this service. You would be responsible for interest charged on your LOC once funds are advanced to the checking account.       

Courtesy Pay Program

Need an added layer of protection? UECU has you covered up to a $500.00 limit. This service is not available on all checking accounts and can be expensive. For this reason, we do not recommend using this program except in case of emergencies. However, if you need quick cash until payday this may be an option for you. This would allow you to write a check, pay a bill or make a purchase with your debit card knowing that it would be covered under the Courtesy Pay program. If a check or debit card transaction causes an enrolled checking account to become overdrawn, this program allows the credit union to honor the transaction for a $25.00 fee per transaction. A fee is charged anytime a transaction is paid and the funds are not available in the account. There’s no monthly service fee for this program. So if you don't use it, you pay nothing.   

Payments made on behalf of members are at the discretion of United Energy Credit Union. Members are responsible for repaying the credit union with their next paycheck but no later than the 30th day after the transaction was paid. This is not a contractual agreement, nor is it a loan, and the privilege may be withdrawn at any time. Please contact the credit union for eligibility requirements. The courtesy pay limit is $500, including non-sufficient funds (NSF) fees charged by UECU. Please call a credit union representative at 281.964.1777/800.380.5430 option #1 if you have any questions about this program.