rewards checking

Get a little something back for you. Just $50 will get you started.


Already a United Member?

Enroll or Log in to Online Banking and click Open New Account

get more when you spend

just $50 will get you started

Always using your debit card to pay for items? When you "swipe and sign" using your Rewards Checking account, you earn reward points. Rack up those points and redeem them for cash!

earn CardPerks rewards with every $3 spent1

CardPerks Rewards

Earn rewards with your everyday spending. You can check the status of your points as often as you want by logging into online banking or calling (855) 445-7431. With the points you earn, you can choose to reward yourself with:

great services

We are dedicated to helping every Member within every community we're a part of. Feel at ease knowing we have your back during tough times.

  • Keep tabs on your account with Visa® Purchase Alerts
  • Use Courtesy Pay protection on up to $1,000 for those moments when you don't have enough money in your account7
  • Free personal Financial Planning and Financial Seminars

we make it easy

Manage your money easily, when and how you want, with instant access online or from as many mobile devices as you can handle.

Mobile Check Deposit

Save time by making a deposit without having to drive to a branch by depositing checks directly from your smartphone -- just snap a picture of your check with a smart phone via the United app.


Zelle® is a convenient way to send money using your mobile banking app or online banking account.

Free Bill Pay and eStatements

Have added security by having our monthly statement sent directly to your email.

Debit Cards

Experience the convenience of the globally accepted Visa® Debit Card included with the Rewards Checking Account from United, making everyday purchases hassle-free from the donut shop to the movie theater and beyond.

Digital Wallet

Additional options are available for secure and convenient payments when you have Digital Wallet. Use Apple Pay®, Google Pay™, and Samsung Pay to buy what you want with one tap or click of your smartphone.5

ATM Fee Refunds

Need to use a non-United ATM? We’ve got you covered. Receive up to $25 per month3 of ATM fee refunds that occur from using other financial institutions nationwide.

Additional Features

  • Transfer to and from accounts at other financial institutions
  • Send us secure messages
  • Free non-United ATM transactions (up to 5 per month)4
  • No foreign transaction fees charged at Co-Op or Alliance One Network ATMs
  • Overdraft protection available from a line of credit or Savings account
  • Deposits insured up to $250,000 by 十大彩票平台
easy and convenient
Earn 2.50% APY more on our Elevate Money Market6
  • NO enrollment for perks
  • NO minimum balance
  • NO monthly service fees2
  • NO per check fees

services at a glance

On-the-go, online, or in-branch. We’ve got you covered! Take a look at the chart below to see all the different ways you can access your Rewards Checking account. The choice is yours at United!

mobile banking
online banking
online chat
member services
branch drive-thru
open Rewards account
check account balance
withdraw/deposit cash
transfer money...between personal United accounts
to and from a non-United account
deposit a check
wire transfer
order a debit card
change card PIN

If you know your current PIN, you can also call (866) 238-5378 to request a new personalized PIN. This change will take effect immediately.

view reward points

You can check the status of your points with online banking, visiting the CardPerks Rewards Page, or calling (855) 445-7431. If in online banking, click on Services and then select CardPerks™ Rewards. Select the account you would like to view. This will bring up a new window with the CardPerks™ Rewards redemption site. Points are displayed on the left side of your screen.

general questions
deposit taking ATMs
Open your account now

just $50 will get you started

still not sure?

Compare Rewards Checking to our Ultra Checking account, read our FAQs, and learn about United to make the decision easier.