Checking Accounts

Elevate your banking experience with our credit union checking account, a gateway to unparalleled convenience and financial empowerment. Say farewell to monthly fees and balance requirements as you embrace limitless possibilities. Seamlessly manage your account with no-hassle access to Alliance One and select MoneyPass ATMs, coupled with surcharge-free convenience at our credit union branches.

Experience the digital evolution with features designed to simplify your life. From effortless Home Banking and Online Bill Pay to credit report monitoring through Credit Sense, we're committed to your financial well-being. Embrace a paperless future with secure e-Statements and stay informed with personalized alerts. Our Debit Mastercard pairs seamlessly with Mobile Wallets, while Overdraft Privilege offers peace of mind.

Direct Deposit and Payroll Deductions ensure swift financial inflows, and unlimited check-writing privileges keep you prepared. Reorder checks effortlessly online. But the ultimate control lies in your hands with our dedicated mobile app, providing on-the-go account management from your smartphone. Download the FREE Mobiliti app from your preferred store and step into a new era of financial management. Elevate your banking experience today!

*Home Banking is a free service, you must access your account via our App or computer once every 90 days to avoid an inactivity fee of $1.

**Bill Pay is a service offered to members though home banking and Unity Catholic’s mobile app. Fees: Waived for the first three months, then $3.00 per month if no activity is performed in that given month. Federally Insured by NCUA.

Discover the potential for higher dividends while maintaining elevated balances with our Money Market Checking Account. To unlock the benefits of this account, a minimum balance of $1,500 is required for dividend earnings, which are distributed monthly based on the account's daily balance. Delve into a host of advantageous features that this account offers, designed to enhance your banking experience.

Foremost, enjoy the advantage of no monthly service fee, allowing you to make the most of your earnings. Gain the freedom of unlimited check-writing privileges, enabling you to manage your finances with ease. Seamlessly conduct unlimited transactions at both Alliance One and select MoneyPass ATMs, bolstered by the added convenience of surcharge-free ATMs available at our credit union locations.

Experience the modern convenience of Free Home Banking and Free Online Bill Pay, making it effortless to manage your finances from the comfort of your home. Stay informed about your credit status with Credit Sense, which offers complimentary credit report monitoring. Embrace eco-friendly practices with e-Statements and streamline your money management with customized alerts.

Your financial journey gains a technological edge with a complimentary Debit Mastercard, compatible with Mobile Wallets such as Apple Pay, Google Pay, and Samsung Pay. For qualifying accounts, the additional benefit of Overdraft Privilege provides a safety net for unexpected expenses. Direct Deposit and Payroll Deduction further optimize your financial processes, ensuring seamless inflows. Experience the next level of banking with our Money Market Checking Account, designed to empower your financial goals while providing unparalleled convenience.

• *Home Banking is a free service, you must access your account via our App or computer once every 90 days to avoid an inactivity fee of $1.

  **Bill Pay is a service offered to members though home banking and Unity Catholic’s mobile app. Fees: Waived for the first three months, then $3.00 per month if no activity is performed in that given month. Federally Insured by NCUA.

Avoid the embarrassment and cost of bounced checks. If your Checking Account balance falls too low to cover a withdrawal, a debit card transaction, or a check, we will automatically transfer funds from your Savings Account to make the payment. You have three free transactions with Overdraft Protection, and the credit union will automatically make the transfer provided the funds are available in the Savings Account.

CHECKING COURTESY PAY
We offer a discretionary Checking Courtesy Pay program available to our valued members. If an overdraft occurs on your Checking Account, we will consider paying the check, ACH transactions and recurring Debit Card purchases up to the Courtesy Pay limit of $400 and charge you the same fee ($35.00) that we would charge to return it to the merchant. This program saves you the additional merchant fees and hassles of managing a returned check. You will be sent a notice of non-sufficient funds and will be required to bring your account to a positive balance within 30 days. We encourage all of our members to manage their finances responsibly, but if you need it, your credit union is here with Checking Courtesy Pay. 

ATM/DEBIT CARD COURTESY OVERDRAFT PRIVILEGE
In order to enjoy the same overdraft coverage when you use the ATM and one-time Debit card transactions you must opt-in for this valuable service.

By choosing to opt-in, you can have comfort in knowing that you could have a safety net to protect you in case of an error in your checkbook or temporary cash shortage. By opting in, we may continue to approve and pay your ATM withdrawals and everyday debit card purchases up to your overdraft limit of $400.00. This could save you the embarrassment of having your debit card declined at the grocery store, restaurant, etc. We will charge our standard Non Sufficient Fund (NSF) fee of $35, but your purchase or cash withdrawal will be approved. 

You have several options if you would like to opt into this service.

• Call any of our offices

• Email us at info@unitycatholiccu.org

Open a Unity Catholic FCU Checking Account and apply for your free Debit Mastercard. Use at an ATM to access cash. Use as a Debit Card to make purchases from your Checking Account at millions of merchants displaying the Mastercard logo. For even more convenience add your debit card to your Mobile Wallet, Apple Pay, Google Pay and Samsung Pay.

For lost or stolen Unity Catholic FCU ATM/Debit Mastercard, please call 1-800-472-3272 immediately.

Call 800-992-3808 to activate your new debit card or reset your pin (personal identification number)

ATMS
Access your accounts at ATMs across the country without paying an additional surcharge. The Alliance One network of financial institutions offers over 4,500 ATM machines in 41 states and territories where you can use your Unity Catholic FCU ATM Card or Debit Mastercard. The owners of these ATMs do not assess a foreign ATM charge (the fee to process a transaction for someone who is not one of their account holders). Plus you can visit any Money Pass ATM or use a surcharge-free ATM at one of our offices at your convenience.

There are plenty of stressors in life, but your checking account shouldn’t be one of them. 

Download the Unity Catholic App today available in the  App Store or Google Play Store. Click on the “Cards” icon at the bottom of the screen, enter your Unity Catholic debit card and rest easy knowing your account is protected. Cards gives you full control over your debit cards. 

Cards allows you to:

• Set spending limits

• Safeguard your card from fraud

• Manage your debit cards from anywhere, any time.

Protect your account and control your budget with Unity Catholic. 

Manage your accounts from the comfort of your home or office with free Home Banking. Verify account balances, review transactions, transfer funds between accounts, request a check to be mailed to your home address, and even print copies of cleared checks. To enroll in FREE Home Banking, please click on the logon link from the home page and follow the enroll online link on the left side.

Paying bills and keeping up with due dates doesn’t have to be a chore.

With Unity Catholic’s Online Bill Pay, members can pay bills directly to anybody they do business with. Whether it’s a cable bill, car insurance or credit card bills, members can schedule payments ahead of time and payments are made automatically. 

Bill Pay also keeps a record of payments made and alerts you to upcoming payments. Never forget a bill again! Simplify money management, eliminate paper waste, and enjoy convenient and secure transactions.  

Bill Pay is available through Online Banking and our Mobile App. Download our app today!

Bill Pay is a service offered to members though home banking and Unity Catholic’s mobile app. Fees: Waived for the first three months, then $3.00 per month if no activity is performed in that given month. Federally Insured by NCUA.

Paper statements are inconvenient, messy and cumbersome. Why add inconvenience to your life when you can eliminate all that paper without sacrificing your ability to stay in the loop with your finances? 

Unity Catholic has a better option that allows you to check your spending from anywhere at any time. Stay in the know even when you’re on the go with our eStatements service. When you sign up for eStatements, you get: 

• Convenience

• Access from anywhere

• Six months of history

If you ever need a paper copy of your statements, you’ll have the option to view and print your account statements at your convenience. 

Ditch the paper and sign up for our FREE service today.

Save time and money by setting up automatic deposits and payments with Direct Deposit or Payroll Deduction. You’ll have access to your money faster and without the need to visit the credit union. Deposit all or a portion of your payroll or government check; even spread your deposit across multiple accounts or loans at Unity Catholic FCU. Contact your employer to set up direct deposit.

To start direct deposit you will need your member number and our routing number. 

Unity Catholic Federal Credit Union routing number - 241081105