Checking/Share Draft

United Community offers share draft or checking accounts with the following features:

Member's share accounts are federally insured up to $250,000.00 by the National Credit Union Administration.

  • No minimum balance required
  • No per check fee charge
  • No monthly service fee
  • Monthly itemized statements
  • Multiple styles of checks available

Overdraft Protection

Overdraft Protection is available in the event your checking account becomes overdrawn.

  • Automatic transfers from your primary savings
  • Transfers are in minimum increments of $50.00
  • $5.00 fee per transfer

Ordering Checks

Ready to order checks? A wide variety of styles and selections are available to choose from as well as price categories. Choose from the standard check design to custom designs. Members are responsible for the cost of checks and the cost will be deducted from UCCU your checking account.  Prices subject to change without notice.  3 easy ways to order!  
- Click here to order online
- Call 1-800-355-8123
- Contact the helpful credit union staff to place your order. 

Debit Card 

Your Debit Card can be used in place of a check or share draft. Just swipe your card anywhere you see the VISA Logo, enter credit if making a purchase, and the amount will be automatically deducted from your checking or share draft account. You Debit Card can also be used as an ATM Card to access cash. If using your card with a pin number certain fees may apply. It's fast, easy, and convenient to use. Apply today!

Application required
Certain restrictions may apply

  • Network Locations: MAC/STAR,Cirrus,Member Access
  • Certain fees/charges may apply

Debit Card PINs
When you receive a debit card you will receive information with the card on how to set your own PIN.  The Credit Union can no longer reset or order PINs.  If you already have a debit card and forget your PIN, please call 1-800-757-9848 to reset the PIN to whatever you choose.  You must call from the home number that is listed with the Credit Union.  You will be asked for your current PIN - if you do not have that, you can still reset the PIN by giving other personal information through the prompts.

Debit Card Activation
If you need to activate a new debit card, the number to call is 1-866-333-9337.

Debit Card Text Fraud Alerts
We take your security seriously.  Keeping your account safe and secure is our highest priority.  We are adding Text Fraud Alerts as part of our debit card protection program.
You will now receive text alerts when suspicious activity is detected on your United Community debit card.  If you receive a fraud alert, reply "Yes" or "No" to confirm or deny the activity.  If you reply "No" (the activity is fraudulent), you'll quickly receive a follow-up text to let you know that a fraud specialist will call you soon to help protect your account.  We'll also automatically disable your debit card to prevent any additional fraudulent activity. 
If you reply "Yes" (the activity was legitimate), you can continue to use your debit card as normal.  If you don't reply to the text, or your phone number is not a mobile number, we'll attempt to reach you via automated voice all.

Text message alerts will come from 32768.

Automated phone calls will come from 844-544-3265.

Make sure to save these numbers to your contacts so you don't miss any alerts.  This added protection to your debit card is automatic and text message alerts are free.  If you have any questions or ever see a suspicious transaction on your debit card, please contact us.


Starting in 2019, UCCU will start issuing new EMV Chip cards.  Members will get a new debit chip card in the month that their current card expires, no matter the year of expiration.  For example, if your card expires in May 2021, you will get a new card in the mail this upcoming May.  Debit Cards will look like this:
UCCU Debit Cards


How can we help you today?
Equal Housing Lender Your savings federally insured to at least $250,000 by the National Credit Union Administration