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Better Checking

No monthly maintenance fees, no minimums.

Just checking that rewards You!

Whether you use your checking account to spend or save, UFirst offers a checking account that benefits you and your lifestyle. No matter what type of account you choose, your UFirst checking accounts are always earning benefits and are free of monthly maintenance fees and minimums balances.

Rewards Checking

Free, easy, rewarding checking!

Earn reward points for simply using your account. Plus, with no monthly maintenance fees or minimum balance requirements, this account is big on perks and ease! Your monthly rewards can be used to buy merchandise or put cash back in your wallet. Combine your checking rewards with your Visa rewards for even more points!

Earning rewards is easy. You can earn rewards just for utilizing your checking account. Here are a few ways you can earn 1,000 points every month:

250 points per item listed
  • Aggregate Direct Deposit of $1,000 or more per month
  • Use your card at least 25 times per month**
  • Access online banking 1 time per month
  • Complete UFirst loan payments on time

Here's even more benefits!

  • Free ID theft protection helps keep you safe against fraud
  • Better Online Banking 24/7 access 
  • Free instant issue debit card
  • Free cashier’s checks

Redeem Rewards Here

*Points earned each month will be issued by the 10th of the following month.
**A qualifying VISA Debit and/or VISA Credit Card transaction is $5.00 or greater.

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Get Started

Open an account online now. 

Existing Members 

Dividends Checking

Checking that pays you!

Dividends Checking combines the ease of a checking account with the earning potential of a savings account. Dividends are paid monthly on your balance. Add no monthly maintenance fees or minimum balance, and you get an account that puts your money to work for you!

Here's even more benefits!

  • Free ID theft protection helps keep you safe against fraud
  • Free box of standard checks annually
  • Free cashier’s checks and money orders
  • Better Online Banking 24/7 access 

APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Dividends paid monthly. See current rates here.

a member opens a bank account at UFirst

Get Started

Open an account online now.

Existing Members

No Monthly Maintenance Fees, Just Rewards

No matter what you need from a checking account, UFirst checking works for you and there are no fees and no penalties. Ever. Instead, you can earn interest on your balance with free Dividends Checking or you can earn rewards points for account activity with free Rewards Checking.
With a Better Checking account from UFirst, your finances are elevated. Join us today to start earning rewards or dividends on your checking account.


ufirst icon Checking Comparison

  Rewards Dividends
Free ID Theft Protection

Earns Dividends

Earns Rewards

No Monthly Fee 
No Min. Balance

Free Bill Pay 

Free Debit Card
Free Cashier's Checks 
Free Money Orders

  Free Box of Checks Annually

   Free E-statements or Paper Statements

  No-Surcharge CO-OP ATMs

Locations near you

Branches & ATMs