Free Checking Accounts

No fees, no minimum balance.
Free checking. Period.

We don’t make you jump through hoops to enjoy the benefits of our Unitus Checking account. Our free checking account is simple, offering outstanding value and online convenience:

Visa Debit Card

Provides access to nearly 30,000 surcharge-free ATMs around the world.

Free Direct Deposit

Easily have your paychecks electronically deposited into your account, at no additional cost.

Access to Thousands of Branches

We belong to the Shared Branching Network, so you enjoy access to other credit unions who will gladly handle your Unitus transactions.

Free Online Banking

Use uOnline to manage your accounts from your computer or mobile device, anytime, anyplace.

Overdraft Protection

Free overdraft protection transfers from a savings or money market account.

Support with Individual Needs

Have you had difficulty getting a free checking account? Ask us about accommodating your individual needs.

Google Pay, Samsung Pay, Apple Pay logos

Mobile payments

Securely store your Unitus debit or credit card details on your mobile device to make purchases quickly and easily.

Overdraft Protection

Unitus offers free overdraft protection transfers from your savings and money market accounts. We also offer overdraft transfers from your Unitus Visa Card or Personal Line of Credit account, for a small fee.

Additionally, we offer Check Protect, an opt-in courtesy overdraft program that pays checks and debits (except ATM withdrawals) that would overdraw a checking account, up to the account’s Check Protect limit. This is a fee-based service.

Visit checking support for more details

Ordering Checks

If you choose to order checks, your Unitus checking account will be charged for the price of the checks, and shipping and handling. The cost of your check order will be displayed during the order process.

Questions? Call us at 503-227-5571 or 1-800-452-0900 or email us.

Order Checks Online

Digital Wallet

Enroll your Unitus debit card in one of the Digital Wallet options! Digital payment solutions such as Apple Pay facilitate secure digital payments through in app purchases. Also be on the lookout for the logos wherever you dine and shop!

Visit our support center

My Design Card

Your Visa Card says a lot about you. Personalize
your debit or credit card with an image of your choice. It’s simple to do, and the result is uniquely you.

Questions About Your Checking Account?

We’re here to help. Call us at 503-227-5571 or 1-800-452-0900 or email us.

Additional Features

Card Fraud Text Alerts – Text alerts notify Unitus cardholders of suspected fraud via text message.

Visa Account Updater – Enables updated card information to be sent to Visa when your card is re-issued.

Instant Issue

Need to replace a lost, stolen or damaged credit/debit card, quickly? Visit any Unitus branch and get a new chip-card instantly with our instant issue service. Just ask a Member Advocate for assistance. (Please note: This service is not available for Business cards.)

50 or better? Join the Optima Club.

Benefits include:

  • An Interest checking account with Online Bill Pay
  • A 60-month CD that allows withdrawal or transfers up to 20% of the original principal on the anniversary of the certificate
  • Don’t delay. Start enjoying the wisdom your age has afforded you today.

Find Your Path

Use the Unitus Pathfinder to get tips on improving your financial wellness

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