
Banking made easy.
Freedom Checking Account
For members who want easy checking with no opening balance requirements or monthly fees. Access your finances 24/7 through the UHCU Mobile App, Online Banking, Phone Banking, or network of surcharge-free ATMs.
Additional Benefits Include:
- Get paid up to two days early with direct deposit
- Deposit checks anytime with the UHCU mobile app
- Schedule your payments safe and securely with free Web Billpay
- Transfer funds easily between UHCU or external bank accounts
- Protect yourself from lost, stolen or fraudulent use of your debit card with Visa's Zero Liability Policy
Current members can open additional checking accounts quickly through Online Banking.

Get Paid Early
Open an account with UHCU and you could get paid up to two days early. It's as easy as 1-2-3.
- Open a UHCU account
- Set up direct deposit for your paycheck
- Receive your paycheck up to two days early****
Save effortlessly with UHCU Round Up!
Round up your debit card purchases and watch your savings grow.
Turn your everyday spending into automatic savings. Our Round Up program will automatically round up your debit card purchases to the nearest dollar and deposit the difference into the account of your choice. It's a painless way to watch your savings grow over time.
Start saving today!

Ready to Elevate Your Everyday?
UHCU Metal Debit Card
The UHCU Metal Debit Card offers a range of benefits beyond its stunning design:
- Unmatched Durability: Scratch-resistant and virtually unbreakable, this card is built to withstand the wear and tear of everyday use.
- Contactless Payments: Enjoy the convenience of tap-and-go transactions wherever contactless payments are accepted.
- Surcharge Free ATMs: Gain access to hundreds of free ATMs within the greater Texas area.
- Fraud Protection: UHCU uses VISA Falcon Fraud Prevention Service to continually monitor your card activity as well as identify and prevent fraudulent transactions on your account.

ATMs
Our UHCU ATMs provide helpful features and tools to make your transactions easy. Plus, they're available 24/7 for added convenience. Here are some of the capabilities of our ATMs:
- Deposit checks
- Deposit cash
- Transfer funds between accounts
- Withdraw cash
- Check your balance
- Touchscreen interface
- Surchage-free ATM network

Membership/Regular or Student Savings required. Programs (including, without limit, fees, rates and features) subject to change without notice. See Fee Schedule for applicable fees.
Instant Issue Visa® Debit Card: Get an Instant Issue Visa® Debit Card for just $5. Daily transaction limits applied to Teen Checking account debit cards. Copies of cleared checks endorsed within 18 months of request date are free via Online Banking.
Metal Debit Cards: Membership required. A $35 fee will be charged to your account upon submission and processing of the order form. Replacement metal cards are $50. Funds for the cost of the card must be available in the member’s account at time of sign-up to qualify. All metal cards will be mailed. Instant issue not available for metal cards.
*Web BillPay is free when it is actively being utilized. An inactivity fee of $6.95 is assessed if there is fewer than one (1) payment processed during the Web BillPay calendar monthly billing cycle.
**Overdraft Protection is available for all checking accounts from the designated savings account up to the amount of funds on deposit.
***Excludes overdraft transfers.
****United Heritage makes your pay available as soon as it is received, which in many cases can be up to two days before your scheduled payday. Employers control the timing of providing their payroll funds to United Heritage. Early deposit of your payroll is not guaranteed.