Personal Checking
Does “free checking” sound like the kind of fantastic luxury only possible in movies?
Welcome to your new banking reality: our fabulous and fee-free checking account!
We admit it. We get a little more excited about banking than your Average Jane. But when it comes to our checking account, we think you’ll agree it’s OMG-worthy. Our personal checking account makes your financial life easy and affordable. Like, very affordable. “Free” affordable.
The Details
In addition to being an easy and affordable way to manage your day-to-day expenses, our checking also comes packed with dynamic features. Whether it’s a free Visa debit card, BillPay, or overdraft protection, our checking account gives you the power to simplify your financial life (at no cost to you!).
No monthly fee
Pay no monthly fees when you sign up for eStatements.1
Earn interest
Earn interest on balances $2,500 and up. See rates.
Free online banking
That includes free BillPay, convenient e-statements, and much more!
Only $25 to open
Minimum opening account balance of only $25.
Free Visa® Debit Card
Every checking account-holder gets a snazzy Visa® Debit Card, instantly issued right in our lobby.
Easy transfers and deposits
Free direct deposit and payroll deduction and free automatic transfers.
Current Rates
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MINIMUM BALANCE* TO EARN DIVIDENDS |
DIVIDEND RATE |
APY** |
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*Minimum average daily balance required to earn dividends. Checking Accounts are based on the average daily balance and are posted monthly. All other rates and yields subject to change without notice. **APY is Annual Percentage Yield. |
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MINIMUM BALANCE* TO EARN DIVIDENDS $2,500 |
DIVIDEND RATE 0.05% |
APY** 0.05% |
Overdraft Options
Overdraw your checking account? We’ve got you covered. Our Overdraft Protection options give you a little extra security and peace of mind.
Overdraft Protection
In the event that you do not have enough money in your account, Overdraft Protection will transfer available funds from one of your eligible UMe accounts to pay the transaction.
Safety Net
We know you manage your finances responsibly, but when you need it, Safety Net is there for you. When we receive an item for payment that causes the balance in your account to go below zero, we will pay the debit or check (up to your limit) including the overdraft fee. Your checking account will be worry-free knowing that Safety Net will cover you.
Overdraft Protection FAQs
Savings Account
Money Market Account
Home Equity Line-of-Credit (subject to applicable finance charges)
Visa Platinum Credit Card (subject to applicable finance charges)
If a Line-of-Credit or Visa Credit Card is used to cover the transaction, interest will accrue on the outstanding balance until the loan is paid in full.
You must maintain a balance or credit limit that will cover any overdrafts from your checking account, otherwise a standard $30 non-sufficient funds fee will apply per transaction.
Contact the credit union at (818) 238-2900 to set up Overdraft Protection for your checking account.
We will continue to authorize and pay overdrafts for the following types of transactions: Checks, Automatic Bill Payments and ACH Debits. However, in order to have your debit card and ATM transactions covered, federal regulations require you to Opt-In for that coverage. Therefore, you must fill out a Safety Net Opt-In form, and submit it to the credit union in order to have your debit card and ATM transaction overdrafts covered.
$25 per transaction
To receive Safety Net coverage for Visa debit card and ATM transactions, download the Opt-in form, complete it, and return the form to the credit union.
Safety Net coverage of checks, automatic bill payments and ACH debits are automatically activated as needed. Opt-in is not necessary.
Visa Checkout
Log in. Pay. Get on with your day.
Pay online the easier way with Visa Checkout and your UMe Visa card
Enroll in Visa Checkout for fast and secure payments. Using any device, just sign in, submit, and voila! Technology magic will take it from there.
Plus, when you enroll in Visa Checkout, you’ll get special discounts at some of your favorite retailers.
Spend less time making payments, and more time on the rest of your day.
Order Checks
You can order UMe checks online.
You can also:
- Browse check styles
- Create custom, personal checks
- View status of recent orders
- Order check accessories
Ready to make the switch?
We’re happy to help you move your account to UMe. We’ll be your financial BFF and guide you to becoming a member of the best credit union in Burbank (and beyond!), just follow the steps below.
Open your new account
To become a member of UMe, you must have a savings account. You can get started online, give us a call at (818) 238-2900 or visit us in person to open your account.
Transfer automatic payments and deposits
Once your new account is opened, you’ll need to notify companies and financial institutions that make automatic withdrawals from your old account. Learn more and use our helpful forms.
Close your old account
Now that your automatic payments and deposits are transferred, you can close your old account. Be sure to leave your accounts open long enough for outstanding checks and withdrawals to clear.
Relax
Welcome to the credit union! Now that you are a part of the UMe family, be sure to stop by our branch and say hello!
Open an account
Disclosures
1 The $5 monthly fee is waived if you have eStatements or if you are age 60 or older.