Checking

Upward Credit Union offers you a very special Checking Account that comes with some really valuable features. You can forget about any monthly fees, per-check charges, or minimum balance requirements, all while watching your deposits earn great dividends every month.

Free Checking

A Free Checking Account you can use to manage your everyday spending without hassles, so you can focus on what matters most to you.

Features

• No monthly service charges

• No minimum balance requirement

• Unlimited check writing

• Free Visa Debit Card with Digital Wallet compatibility

• Free Overdraft protection

• Optional overdraft protection with Courtesy Pay

• Free Card Controls App for added security

• Free Online Banking with Bill Pay

• Free Mobile Banking with Mobile Deposit

Renew Checking

At Upward CU, we understand that there are circumstances or even periods of hardship that cause financial difficulties, resulting in negative reporting. If you’ve had past Checking Account problems and have been reported to ChexSystems, it may be difficult to find a bank willing to service your Checking Account needs. Upward CU proudly offers options and resources to assist members by improving their financial standing and starting on the path to a solid financial future.

Features

• How does it work? – If you have a file with ChexSystems and don’t qualify for our Elite Checking Account, you may be given the opportunity to open a Renew Checking Account.

• There is a one-time $25 processing fee and a $100 deposit that will be held in your Regular Share Account.

• Renew Checking offers the same features as the Elite Checking program, with the exception of Courtesy Pay. There is a 9-month waiting period to request to convert to our Elite Checking and sign up for Courtesy Pay.

Rewards Checking

With our *Kasasa Checking Accounts, earning rewards is simple and rewarding! Choose the Kasasa rewards checking account that suits you, meet the monthly qualifications, and start enjoying your Kasasa rewards—it’s as easy as 1, 2, 3!

In addition to the features included with our Free Checking, our Kasasa Rewards Checking accounts benefit from the following rewards each month, when qualifications are met:

Qualifying for Kasasa Rewards

It’s so simple to qualify for your Kasasa® rewards that you’re probably already doing it. Enrollments must be in place, and all of the following transactions and activities must post and settle to your Kasasa Rewards Checking Account during each Monthly Qualification Cycle:

• Be enrolled in and log into Online Banking

• Be enrolled in and agree to receive e-Statements

• Have at least 12 debit card purchases of $5 or more post and settle to your Kasasa Rewards Checking Account.

*See Kasasa Disclosures for full details.

Didn’t Meet Your Qualifications

Don’t worry! Even if you don’t meet your qualifications during the cycle, your account is still free. And you can get right back to earning rewards the very next month.

When qualifications are not met:

• Kasasa Cash “High Dividends” accounts will earn 0.05% APY** on the entire average daily balance.

• Kasasa Cash Back Accounts will not receive cash back reward payments.

• Kasasa Music & More accounts will not be reimbursed for online purchases.

• ATM withdrawal fees will not be reimbursed.

*See Kasasa Disclosures for full details.

Courtesy Pay

Upward CU’s Courtesy Pay lets you keep oversights small. Whether it’s an honest mistake in balancing your checkbook, an unforeseen expense, or a temporary shortfall, sometimes your balance can fall on the wrong side of zero. Upward CU can help make sure that the shortfall won’t get any bigger with our Courtesy Pay. 

Who is covered by Courtesy Pay?

All you need is an eligible Checking Account with a confirmed opt-in on file. If you qualify, your Courtesy Pay limits will be automatically assigned based on your account type.

How Courtesy Pay works

As long as your account remains in good standing, Upward CU will honor overdrafts up to your Courtesy Pay limit. When checks, ACH, or eligible Debit/ATM Card transactions are made that exceed the balance in your account, the transactions will be honored. This means that the merchant who is processing your transaction will be paid, or the amount of cash you requested from the ATM will be given to you. Your account will be in the negative for the transaction amount plus the Courtesy Pay fee amount for each incident (See our Schedule of Service Charges). You will then have 10 business days to make a deposit to your account. Your Upward CU Checking Account is more than just your checkbook, and Courtesy Pay is there no matter how you access your money.

You are expected to bring your account to a positive status within 10 business days. A negative balance lasting 30 days or more may lead to Courtesy Pay privileges being temporarily suspended or permanently revoked.

Exceeding the overdraft limit

Overdrafts above and beyond Upward CU’s established Courtesy Pay limit may result in transactions being returned or denied. The Non-Sufficient Funds (NSF) fee will be charged to your account for each returned item.

Courtesy Pay and multiple accounts

Multiple Upward CU Accounts for your household may be eligible. Multiple accounts in the same name will be covered on one account only.

Qualifications for Courtesy Pay

Courtesy Pay is contingent on your consumer Checking Account being open for at least 30 days, and thereafter, you maintain the account in good standing, which includes at least:

• Make regular deposits consistent with past practices,

• Bringing your account to a positive balance as soon as possible, ensuring your account does not exceed a period of 30-days negative.

• You are not in default on any loan or other obligation to Upward CU, and you are not subject to any legal or administrative order or levy.

Please note:

Upward CU will consider, as a discretionary courtesy and not a right or obligation, your reasonable overdrafts. This privilege for consumer checking accounts will generally be limited to a maximum of $500 (without Direct Deposit) or $750 (with Direct Deposit) in overdraft (negative) balances. Any and all fees and charges, including, without limitation, the non-sufficient fund fees, continuous overdraft fees, and interest charges (as set forth in our Schedule of Service changes and Deposit Account Agreements and Disclosure), will be included in these maximum limits.

Opt out Option

You can choose to opt out of the program at any time. Should you require the Courtesy Pay service at a later time, you can request to have it added back to your account.