Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
Checking Accounts
On a daily basis, your checking account is central to how you access your money. That’s why we’ve designed a selection of flexible checking account options to fit your lifestyle now and wherever the future takes you. Choose the account that works best for you.
UKFCU Checking Account
Your UKFCU checking account includes all the features that allow you to manage your money, your way. On-the-go, online, or wherever you are in the world, you get the flexibility that fits your life today.
In addition to all the features listed above, UKFCU Checking Accounts also offer:
- Overdraft Protection
- Free First Box of Checks
Student Rewards Account
As the Official Credit Union of the University of Kentucky, we understand that students need a little extra support. That's why we created the Student Rewards Account, which includes all of the Checking Account Features above, plus some extra benefits to help you ace student life:
- Available for Students Aged 13-25*
- 5% Cashback on All Debit Purchases
- No Overdraft Fees
Senior Freedom Checking Account
As we age, a world of freedom unfolds before us...the freedom to explore, to relax, and to choose exactly how we want to live life to the fullest. Senior Freedom Checking Accounts features everything listed above, as well as:
- Available for Members Aged 54+
- Access to Special Deals on Hotels, Air Travel, Cruises, Vacation Packages and More!
Live your best financial life with UKFCU.
Products and services designed to keep you on the right path.
Your financial wellbeing is our top priority.
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I’ve been with UKFCU for twenty years! They always took care of all of my, and my family’s financial needs, with courtesy and professionalism. I would not change my bank for anything, we are like family!!! Thank you, UKFCU!!!
Angelica R. -
I love banking with the UKFCU! Employees are always friendly and have the information I need quickly. Stopped in last weekend for a certified check and I appreciated the care that went into the transaction. Can't say enough nice things about my banking experiences with them!
Leslie W. -
I have always been a fan of UKFCU, which is why I still bank there after 30 years. Their staff is friendly and well-trained; they try to do what you need or suggest ideas; they have enough branches that I can go to one without much extra driving; their loan rates are low; their mobile app is easy to use.
Ginny G. -
Awesome customer service, great loan rates. Great options to access checking and savings accounts in person, through ATM and online.
Paula C.
Quick Links
Getting you where you want to go.
* Student Rewards Accounts are checking accounts only available to members 13-25 years of age, enrolled in school (primary, secondary or post-secondary education, verified at account opening). Student Rewards Accounts are eligible for 5% cashback on the sum of all PIN and signature-based debit card transactions. The cashback will be paid to your checking account by the fifth day of the following month’s statement cycle or the next business day. The cashback will be capped at $10 per month per checking account for a maximum annual total of $120. Cashback amounts paid to your account may be considered 1099-MISC income and may be reported to the IRS; please consult your tax professional. If your checking account has a negative balance on any day of the month, you will forfeit the cashback payment to your account for that calendar month. You are eligible for this cashback payment until your Student Rewards Account is converted to a UKFCU Checking account or the date of your 26th birthday. Conversion of a Smart Checking for Students Account to a Student Rewards Account can only be completed by calling 859.264.4200 or visiting a physical UKFCU branch location. Federally insured by NCUA.
