Checking Accounts


If you’re looking for a checking account and a local credit union that is committed to helping you prosper, we have an account to fit your needs. Now serving New Jersey residents in Monmouth, Ocean and Middlesex Counties.


All UTF Checking Accounts come standard with

  • 5,400+ Share Branch Locations
  • 30,000+ Surcharge Free ATMs
  • Free Online Banking & Bill Pay
  • Free E-Statements
  • Mobile Banking
  • Mobile Deposit
  • MasterCard Debit Card
  • Savvy Money Check-Up

Pick the checking account that is right for you!

Utility Checking   United Rewards Checking
A standard checking account with a low monthly service charge and essential features such as Online Banking, Mobile Deposit, and Billpay. Designed for members who want to earn valuable points for the purchases they already make, and redeem those points for merchandise at the CURewards mall.  As an Added benefit, the United Rewards checking account comes with elevated security features through Fraud Defender: Identity Theft Protection.
University Checking   Fresh Start Checking
Designed with the hardworking student in mind, this account offers expanded access to 50,000+ surcharge-free ATMs around the country, and Savvy Money Check-up - a personal finance management tool to get students on the right financial path.            Having trouble getting a checking account at other financial institutions? With Fresh Start Checking, you'll get a full-service checking account with the opportunity to upgrade to another checking offering after 12 months of your account being in good standing.



*We'd Like You To Know: NJ Consumer Checking (Utility Checking) is also available. If you would like information, please speak to a United Teletech Financial Representative.
View our fee schedule for all fees and terms associated with our checking accounts.

*Fees may reduce earnings