Personal checking
United Federal Credit Union Consumer Checking
Verified Oct 23, 2026 · checked Oct 26, 2026 · available nationwide
Bonus
$350- • Receive 1+ direct deposits totaling $1,500 within 90 days — More than $1,500 in cumulative qualifying direct deposits (payroll, salary, pension or government ACH) in the first 90 days; branch deposits, internal transfers and Zelle, Venmo or PayPal do not qualify. Requires an opening deposit of $50 or more. New members only: ineligible if you hold a United savings or checking account now or closed one in the last 12 months. Each component is paid within 30 days of qualifying. Membership is open nationwide via the National American Consumer Council at no cost. A $2.50 paper statement fee applies without eDocuments.
- • Make 20 debit card purchases within 90 days — 20 cleared signature (non-PIN) debit transactions within 90 days earn the additional $100 on top of the $250 direct deposit component, for a $350 checking total.
Other amounts for this account
- $250 bonus — Receive 1+ direct deposits totaling $1,500 within 90 days
One account opening earns one amount — the one you qualify for.
Fine print that matters
• No bonus if you closed an account here in the past 12 months.
• Not eligible while you hold an open account of this type.
• Plan on holding at least 120 days before closing.
Verify current terms on United Federal Credit Union's official site before applying.See if this fits my plan