Checking Bonus Offer

How to get your $200 bonus:

1. Open

Open a New Checking Account

This offer is for new members only. Texas residents only. To become a member, open a Freedom Checking account from this offer webpage, or by visiting a UHCU branch by December 31, 2026.²

2. Qualify

Complete qualifiying activities

Within 90 days of opening your account, make 20 debit card purchases (excluding ATMs) and set up two direct deposits of $1,000 minimum to qualify.

3. Enjoy

Earn $200 bonus

After the 90-day qualification period and requirements have been met, the bonus will be deposited into your checking account within 30 days.

Join Now!

Choose an account that fits your lifestyle

Freedom Checking Account

Easy checking with no opening balance or monthly fees. Enjoy 24/7 access through Mobile App, Online Banking, Phone Banking, and surcharge-free ATMs.

Get paid up to two days early with direct deposit
Deposit checks anytime with the mobile app
Pay bills securely with free Web Billpay*
Transfer funds easily between UHCU or external accounts
Stay protected with Visa's Zero Liability Policy

Always here for you.

Just a click or phone call away.

Our goal is to provide you with personalized service that meets your needs. To open your account in person, please visit one of our branch locations. Our branch locations offer personalized banking with services such as: Money Orders, Cashier's Checks and Domestic Wire Transfers, Certificate of Deposits, Pre-Paid VISA Gift Cards, Coin Counter and more!

UHCU Branch Locations

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More Features

As a UHCU member, enjoy features like:

Open An Account

Additional Features

Mobile App and Online Banking: Bank on your schedule, from home or on the go, with United Heritage, and access your accounts 24 hours a day, 7 days a week.
UHCU ATMs: Our drive-up ATMs provide helpful features and tools to make your transactions easy. Plus, they're available 24/7 for added convenience. Make cash or check deposits, account transfers and more.
ATM Networks: In order to better serve you, we have joined several ATM networks, providing our members access to hundreds of free ATMs throughout the Greater Texas area.

¹$200 bonus may be taxable. The 90-day qualification period begins upon account funding. You must meet all account qualification requirements to receive the bonus. Qualifications include: using your debit card 20 times during the 90-day qualification period, excluding ATM transactions, and receiving a minimum of $1,000 in direct deposits into the Checking Account during the 90-day qualification period. The bonus will be deposited into the qualifying Checking Account 30 days after the qualification period ends.

²Offer valid for Checking Accounts opened between September 1, 2026 and December 31, 2026. Business accounts are not eligible. Offer not valid for existing UHCU members. Membership required. Texas residents only. See Member Eligibility requirements to see if you qualify for membership. This promotion is subject to cancellation or modification at any time, without prior notice. We reserve the right to close the promotion or change its terms and conditions, including but not limited to the eligibility criteria, bonus description, and promotion period. If the promotion is canceled or modified, we will make reasonable efforts to notify participants, but we are not responsible for any delays or failures in notification.

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.

*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.