Plus Checking

Effective Date: October 1, 2024. Fees could reduce earnings on account.

Enjoy Premium Benefits

• High Rate Bonus Dividends — Earn up to 2.25% APY^† on your Plus Checking balance.
• Auto Loan Rate Discount — Get a 0.25% rate discount on your next UFCU auto loan^‡.
• Bonus Credit Card Points — Receive 15% more points as a bonus on your UFCU Cash Back Visa^® card or your UFCU Travel & Rewards VISA^® card^§. Earned bonus points are added to your rewards balance every three months.

  Bonus Points Earned	Bonus Points Issued
  Spring (March-May)	July
  Summer (June-August)	October
  Fall (September-November)	January
  Winter (December-February)	April

• Mortgage Fee Credit — Receive a $200 Mortgage Fee Credit automatically deposited into your Plus Checking account when you close on your UFCU mortgage^**.
• Reimbursement of International Transaction Fees — On your Plus Checking debit card, international transaction fees are automatically reimbursed to your account.^††.

Current Members: Contact us or stop by any branch to request an upgrade to a Plus Checking account.

Open an Account

Get Fees Waived

Your $10 monthly service fee will be waived if your combined month-end balances are $10,000 or more^‡‡, or if your monthly qualifying electronic deposits^¶ are $4,000 or more.

Branch Out with Online Banking

View and download account info and transactions, pay bills for free, and transfer money, 24/7.

Learn more (For terms and conditions, refer to the Digital Service Account Disclosures)

Instant Access

Get your instant-issue contactless VISA^® Debit card when you open your account and begin using it immediately at ATMs and everywhere Visa is accepted.

Stay Covered for the Unexpected

We offer a few different options to help you manage your account in the instance it lacks funds to cover a transaction. Manage your account with added peace of mind through our available Overdraft Service options:

• Overdraft Protection Transfer
• Line of Credit
• Courtesy Pay

^† APY = Annual Percentage Yield. Bonus Dividends on Plus Checking. As of October 1, 2024, a Bonus Dividend of 2.25% APY will be paid on balances up to $10,000 in a Plus Checking share. Balances more than $10,000 will earn dividends at the current available rate. Rate is variable and subject to change after account is open. Fees could reduce earnings.

Dividends are credited monthly. To receive this benefit, the following qualifications apply:

• Have at least twenty (20) eligible card transactions a month – the 20 eligible transactions can be a combination of debit card transactions on the Plus Checking share and credit card transactions on the same account in which the Plus Checking share resides. The eligible transactions must fully post within the month (i.e. pending transactions that have not fully posted are not counted).
• Eligible card transactions include purchases or spend transactions (exclude transactions such as cash withdrawals, transfers, cash advances or balance transfers).
• There must be a balance greater than the par value of one share to earn Bonus Dividends on a Plus Checking Share.

See full Plus Checking Terms & Conditions (PDF).

^‡ Auto Loan Rate Discount. A Plus Checking account can receive a 0.25% discount on a consumer auto loan (excluding internal refinances). The discount would take a quarter of a point (0.25% or 25 Bps) off the standard auto loan rate the member qualified for.

To receive the Auto Loan Rate discount, the following apply:

• A Plus Checking share must be open on the same account (i.e. the same UFCU share account number) in which the consumer auto loan resides at the time of loan origination.
• The discount can only be applied to a consumer auto loan opened after 12:01 AM on 10/1/2024.
• The discount only applies to a new-to-UFCU consumer auto loan, which includes the following loan types:
  • Purchase (purchase of an auto)
  • External Refinance (purchased with dealer and member refinances with UFCU)
• The discount is not available on:
  • Existing auto loans funded prior to opening the Plus Checking share
  • Loans already financed with UFCU (e.g. an internally refinanced auto loan)
  • Any other loan balance at UFCU
  • Commercial or Business auto loans
• The member must qualify for the auto loan to receive the discount.
• Having a Plus Checking account does not guarantee loan approval.
• All the standard qualifications for obtaining the loan must be met. See full Plus Checking Terms & Conditions (PDF).

^§ Bonus Credit Card Rewards. Plus Checking Members can earn up to 15% more credit card reward points (“Bonus Reward Points”) when using a UFCU Rewards Card. Bonus Reward Points are issued periodically and are based on points already earned.

• To receive the Bonus Reward Points, there must be a Plus Checking share open on the same account (i.e. the same UFCU share account number) in which the UFCU Rewards Card resides at time of bonus point issuance. The Bonus Reward Points cannot be issued before the Plus Checking share is open.
• Bonus Reward Points are earned by purchasing/spending dollars and not by performing cash advances or balance transfers, and are issued periodically based on regular points earned during a specific period. Visit ufcu.org/pluschecking for more information.
• Having a Plus Checking share does not guarantee approval for a UFCU Rewards Card nor an extension of credit.

See full Plus Checking Terms & Conditions (PDF).

^¶ Your $10 monthly service fee will be waived if your combined month-end balances are $10,000 or more, or if your monthly qualifying electronic deposits are $4,000 or more. A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has been posted to your account and is made through the Automated Clearing House (ACH) network. Transfers from one account to another, mobile deposits, instant payments processed through the RTP^® network (real-time payment system) or FedNow^® Service, an electronic credit from a third-party service that facilitates payments to your debit card using the Visa^® or Mastercard^® network, or deposits made at a branch or ATM are not considered a qualifying electronic deposit. See full Plus Checking Terms & Conditions (PDF).

^** Mortgage Fee Credit. A Plus Checking account can receive a $200 credit after funding a mortgage with UFCU. The credit will be applied as a deposit transaction to your Plus Checking within 60 days after loan funding. To receive the mortgage credit, the following apply:

• A Plus Checking share must be open on the same account (i.e., the same UFCU share account number) in which the mortgage resides.
• The credit can only be issued on qualifying Mortgage types funded after 12:00 AM on October 1, 2024.
• Qualifying Mortgage types include first-lien residential mortgages to purchase a Primary home, Secondary home, Investment property, or Parcel of land. Other mortgage types do not qualify, such as (but not limited to) Commercial real estate loans, refinance loans, home equity loans, second-lien loans, construction loans, or home improvement loans.
• The credit will be issued within 60 days of funding the loan. If a Plus Checking share doesn’t exist (has been closed, charged off, or converted to a different checking share type), the credit will not be issued. The credit cannot be issued on another checking share type.
• The member must qualify for the Mortgage loan to receive the credit.
• In accordance with IRS tax regulations, this credit is considered a dividend and will be reported as taxable income on your tax documents. If your account is configured to not receive dividends, that account is not eligible for this credit.

See full Plus Checking Terms & Conditions (PDF).

^†† Reimbursed International Transaction Fees. International Transaction Fees that are incurred on a Plus Checking debit card will be reimbursed within twenty-four (24) hours on the actual balance of the associated Plus Checking share. Unless otherwise indicated, no other assessed fees will be automatically reimbursed in this manner. To receive the “Reimbursed International Transaction Fees” said International Transaction Fee must have been assessed on a Plus Checking debit card linked to the applicable Plus Checking Share on or after 12:01 AM on 06/01/2024.

International Transaction Fees assessed on other checking account types or credit card accounts are not eligible for reimbursed international transaction fees. See full Plus Checking Terms & Conditions (PDF).

^‡‡ Savings, Checking, Money Market, Certificate of Deposit, and IRA accounts combined under one account number. See full Plus Checking Terms & Conditions (PDF).

With approved credit.

Some restrictions apply.