All UHCU branches will be closed on Monday, January 20, in observance of Martin Luther King, Jr. Day. Branches will be open for normal business hours on Tuesday, January 21.
Easy as 1,2,3!

Open a Savings and Freedom Checking Account Online

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1. Check Your Eligibility

See if you qualify to open a Freedom Checking account—it's quick and easy! Simply meet a few basic requirements, and you're ready to join.

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2. Open Your Account

Open your Freedom Checking account online in just a few minutes. Once you're set up, you can get your VISA debit card sent straight to your mailbox or get it issued instantly at one of our 10 branch locations.

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3. Start Banking Better

Enjoy the perks of membership, including thousands of fee-free ATMs, early access to your paycheck with direct deposit, lower fees, and exceptional customer service tailored to you.

Open An Account!

Member Eligibility

Member Eligibility

Because we believe that better banking should be available to everyone, we've made becoming a member of UHCU easier than ever.

If you can answer "Yes" to the any of the following requirements, you’re eligible for membership:

  • I live, work, attend school or own a business in one of the following counties: Bastrop, Bell, Blanco, Burnet, Caldwell, Hays, Lee, Milam, Travis, Williamson, Cherokee, Gregg, Henderson, Rusk, Smith, Upshur, Van Zandt or Wood.
  • Someone in my family is a member of UHCU.
  • I am a Texas resident and an existing member of or agree to join the Texas Consumer Council (TXCC).

Open an Account
Freedom Checking For members who want easy checking with no opening balance or monthly fees.
Minimum Opening Balance
$0
Monthly Service Fee
$0
Premier Perks
$5.95 / month
ACCOUNT PERKS
Overdraft Protection**
Interest Earning Account
Instant Issue VISA Debit Card
Full debit card details
Unlimited Check Writing
Unlimited Deposits
CHECKING BENEFITS
Free Online / Mobile Banking
Free Web BillPay*
Free Account Transfers***
Insured up to $250,000

Open An Account!

More Checking Account Benefits

Along with all of the features listed above for each specific account. Our checking accounts come standard with even more benefits.
Additional Benefits

More Features

As a UHCU member, enjoy features like:
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Additional Features
Membership/Regular or Student Savings required. Regular Savings account required for all checking accounts. Par value of one share is $1.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.
*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.