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No Monthly Fee Checking Accounts

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Worry-free account options

It can be a challenge finding a Checking account that’s different from the rest. Here at U1, we’re all about making life easier.

With a U1 Freedom Checking account you’ll get just that. Enjoy a $0 monthly fee, $0 minimum balance, Overdraft eligibility and much more!

Looking for a Checking account that earns dividends? We’ve got it! Our Freedom 500 Checking offers monthly dividends when your average daily balance is over $500 or more.

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Learn more about our accounts below and what option fits best for your lifestyle.

Freedom Checking

Ideal for your everyday banking needs. A perfect choice if your average daily balance is below $500.

  • $0 Monthly fee 
  • $0 Minimum balance
  • VISA Debit Card
  • Overdraft Eligible

NEW MEMBER - APPLY

EXISTING MEMBER - APPLY

Freedom 500 Checking

Looking to earn back? Enjoy the freedom of no monthly fees while earning dividends with an average daily balance of $500.

  • $0 monthly fee 
  • Earn dividends* 
  • VISA Debit Card
  • Overdraft Eligible

NEW MEMBER - APPLY

EXISTING MEMBER - APPLY

Freedom Express Checking

Past financial challenges making it difficult to open a Checking account? Get back on track and establish a positive financial lifestyle!

  • $15 monthly fee
  • Despite financial history** 
  • Free checking potential** 
  • VISA Debit Card**

NEW MEMBER - APPLY

EXISTING MEMBER - APPLY

Checking Account
TypeMin. BalanceRateAPY
Universal Freedom 500 $500.00 0.05% 0.05%

Wait…There’s more! Get these additional benefits when you open a U1 Checking account.

Online & Mobile Banking 

Learn more about U1 Digital Services by clicking the link below.  
 Account access here, there and everywhere 

Purchase Rewards 

Earn cash back from your favorite stores using your U1 Debit Card.

Purchase Rewards Learn More Purchase Rewards

Digital Wallet

Complete your transactions from your phone using Apple Pay, Google Pay or Samsung Pay

Easy Access 

Get account access to 5000+ branch offices and nearly 30,000 ATMs using Shared Branching

Need help? Our dedicated member services team is here to help! Send us a chat message, schedule an appointment, email or give us a call.

SCHEDULE AN APPOINTMENT
memberservices@u1cu.org   |   800-762-9555 opt. 0

APY = Annual Percentage Yield. 0.05% APY on the average daily balance of $500.00 or more, paid monthly.
*With average daily balance $500+
**Restrictions apply

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