piggybank Personal Checking Accounts

On a daily basis, your checking account is central to how you access your money. That’s why we’ve designed checking accounts that fit your life. Choose the account that works best for you.



Your personal checking account is completely flexible, so it fits your lifestyle now and wherever the future takes you.

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Smart Checking for Students

Access your checking account on the go, home and away, with smart checking for students. Your smart checking account includes all the benefits of a UKFCU checking account, such as a visa debit card, no minimum balance and online and mobile banking.

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Senior Freedom Checking

With age comes freedom—to travel and enjoy leisure time. Freedom Checking is available to any member age 54 and older and offers access to special deals on hotels, air travel, cruises, vacation packages and more.

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Existing Member Apply Here

Use the link above to log in to your online banking to create a seamless online application process.

New Member Apply Here

lock Our Security Promise

As a member of UKFCU, your funds are guaranteed up to $350,000.00. The National Credit Union Administration, a government agency, insures your funds up to $250,000.00. Excess Share Insurance Corporation, a private corporation, also insures your funds up to an additional $100,000.00

shoponline Online Bill Pay

Simplify your finances with online bill pay. With online bill pay you no longer have to worry about writing checks, sending bills on time or losing checks in the mail. Using your online checking account, it’s simple, secure and guaranteed.

Online bill pay lets you:

  • Receive and pay your bills online
  • Keep track of all your bills in one place
  • Track the status of your bills
  • Schedule recurring payments
  • View your payment history


Take care of your bills in 3 easy steps!

Log into Online Banking and click on "Bill Pay" in the top menu.

1. Pick a bill you want to pay.

2. Enter the bill info.

3. Choose how much and when.


creditcard Debit Cards

Your life doesn’t always happen during business hours. Now you can access your money anytime, and virtually anywhere, with your UKFCU Debit Card. Use your Personal Identification Number (PIN) to withdraw funds or check on your account from most ATMs.

Your debit card can be used like a credit card but draws directly from your checking account. As a Visa card, your debit card offers fraud protection and Verified by Visa for additional online security.

Debit card features include:

  • Instant-issue at all branches
  • Pick one of our nine different debit card designs
  • Use anywhere Visa is accepted
  • Cash withdrawal from participating retailers

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tip Overdraft & Courtesy Pay

We invite you to take advantage of all the fantastic products and services UKFCU offers, including our Courtesy Pay Program, which offers you protection in the event of an accidental overdraft.

Courtesy Pay and Overdraft Protection are convenience services designed to protect our checking account holders from experiencing the frustration, embarrassment, and additional costs of declined transactions or returned checks due to insufficient funds.           

In addition to Courtesy Pay, we encourage all checking account holders to authorize Overdraft Protection from their other UKFCU accounts, which may include savings, money market savings, and revolving line of credit loans (Courtesy Pay and Overdraft fees apply).

Courtesy Pay is a non-contractual, discretionary overdraft service available to eligible checking account holders based on their account activity and history.  If you are eligible for Courtesy Pay, we may approve overdrafts on your account within your current available Courtesy Pay limit.  In addition, a second level of protection is for ATM and debit transactions. According to federal regulations, the Courtesy Pay for ATM you must request. The opt-in form can be found online or ask a representative at UKFCU. We recommend this additional coverage to protect you from unseen emergencies.

To learn more about the new Courtesy Pay Program call us at 859.264.4200 or stop by one of our six locations.

UKFCU Overdraft Options
Courtesy Pay Disclosure