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Beware of Ongoing Telephone Scams NEW

Please remember to not provide any information to someone who calls you and requests personal information. If you're not comfortable with a call you receive claiming to be UHCU, hang up and call UHCU directly. 
Beware of Wire Fraud NEW

Fraud Alert: We’ve been alerted to several recent wire fraud attempts involving UHCU members. Please use caution when submitting wire requests. Fraudsters are impersonating businesses and even law enforcement.
Help UHCU Support PATH's Coats for Kids Drive NEW

United Heritage is proud to support PATH’s Coats for Kids Drive this year. Drop off gently used child and youth sized winter coats at any United Heritage branch from October 1-16.
New Auto Loan? NEW

For help submitting your insurance, managing your payments and accessing your UHCU account online, we've got you covered. Click here to complete your next steps!
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Teach Financial Responsibility Early

Don’t wait until your teen is out of the house to educate them about responsible money management. With no minimum balance requirement, no monthly fees and free account access, UHCU Teen Checking has everything your teen needs for an early start to financial success.
Teen Checking Account

Build Their Financial Future with UHCU

Teens can track their money, make purchases, and build a budget all with their own debit card. With no minimum balance requirement, no monthly fee and free account access, UHCU Teen Checking has everything needed for an early start to financial success.

Similar perks and benefits as our Freedom Checking account, including:

  • $0 minimum opening balance
  • No monthly service fee
  • No monthly balance requirement
  • Check writing available for 16-17

Apply for a Teen Checking Account
Teen with account
Red Logo Debit Card

There's an option for everyone.

Check Out Our Debit Card Designs

UHCU is offering multiple debit card designs for our members. Card designs feature a variety of options, in both horizontal and vertical orientations. And, debit cards are now contactless! Click below to see all instant-issue and mail in options.

View Design Options

Deposit checks anytime, anywhere

If you can't make it to a branch or ATM, did you know that you can deposit checks with our mobile app? A time saver and a serious game changer for busy people (aren't we all?) Download our app today and start banking on the go.

Available on the App Atore  Android App on Google Play

Have questions or need help with the mobile app?

Woman depositing check with mobile app
Metal debit card front
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.
The Metal Debit Card is available for $35. Order yours today! 

Order Metal Card

Debit Card Features

Customize Your Design

A nice feature of our Instant Issue Debit Cards is that you can choose your own design. From downtown Austin skylines to fields of bluebonnets, we've got a design for you.

Pause Your Card

Misplaced your UHCU Visa Debit Card? Temporarily pause your card online or through your mobile app if you need to locate it or order a new one. You can also pause your card when it's not in use to prevent fraud. It's a convenient option to provide you with peace of mind.

Learn About Online Banking View Design Options
Checking debit card account online.

Open A Teen Checking and/or Savings Account Today!

Get started by submitting your information below, a UHCU representative will reach out to complete account opening.

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. United Heritage youth account restrictions apply.
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.