ultra checking account

APY = Annual Percentage Yield

[1] APY accurate as of the last dividend declaration date. 5.00% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met; 0.05% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements are not met; 0.10% APY earned on the portion of your daily balance that is greater than $10,000. Monthly requirements for Bonus APY: (a) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on this Ultra Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the owner of this account who will receive the tax statement (“Tax Reported Owner”) is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; (b) 1 direct deposit to or electronic auto payment (ACH) from this Ultra Checking account is posted by 11:59 PM ET on the second to last calendar day of the dividend period; and (c) active enrollment in e-statements. Rates may change after account is opened. Minimum deposit required to open account is $50.00. Fees could reduce the earnings on the account. One account per Member.

[2] A 0.10% APY increase is applicable when the owner of this account, designated as the 'Tax Reported Owner,' also holds the same status for an Ultra Checking account with an average monthly balance of at least $1.00.

[3] APY accurate as of the last dividend declaration date. Bonus rate of 2.50% APY when all of the following requirements are met: a) the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; b) a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; c) one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; d) active enrollment in e-statements. Rates may change after account is opened. Fees may reduce earnings on the account. Consumer money market accounts only; business accounts not eligible. Subject to membership qualifications. 

[4] A 0.25% interest rate discount is available when automatic payments are established from a United Checking account. This discount is not available on mortgage loans or credit card loans. Some restrictions may apply. 

[5] Early Pay is provisional credit only. Deposits eligible for Early Pay are limited to payroll direct deposits and government benefit payments made through the Automated Clearing House (ACH) network to a personal checking account. Other deposits or credits are not eligible for Early Pay. Funds from eligible direct deposits may not post early. 

[6] ATM foreign surcharge fees will be refunded monthly, up to $10/month; excluding international ATMs, balance inquiry, and ATM deposit fees. Members must meet the following monthly requirements to earn ATM foreign surcharge fee refunds: (a) enrollment in eStatements; (b) at least 1 direct deposit or ACH per month; and (c) a combined total of at least 20 cleared signature (swipe-and-sign/non-PIN) transactions on an Ultra Checking account or cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported owner is a cardholder are posted by 11:59 PM ET on the second-to-last calendar day of the dividend period.

[7] Requires your account is in good standing, which is defined as: A) your checking account has been open for at least 30 days; B) making regular deposits sufficient to cover transactions; C) bringing the account to a positive balance (and maintaining that positive balance for twenty-four hours) at least once every thirty days or less; D) there are no legal orders outstanding on your account; and E) you do not have any loans with us that are more than 30 days past due, we may, at our sole discretion, pay overdrafts up to the limits mentioned above, including our normal Non-Sufficient Funds or Courtesy Pay charge(s). Whether we pay or return an item, your account will be assessed a fee for each transaction, either as a Courtesy Pay charge ($25) or a Non-Sufficient Funds charge, but you will not be charged both fees. Click here for Courtesy Pay disclosures

[8] Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

[9] Apple and the Apple Pay^® logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play™ and the Google Play logo are trademarks of Google Inc.