Checking Accounts

Checking Accounts

United Access Checking

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
  • Free Online Banking & Bill Pay
  • Free E-Statements
  • Mastercard ID Theft Protection
  • Debit Card Alerts
  • Mobile Banking
  • Mobile Deposit
  • MasterCard Debit Card

Pick your checking accountPick the checking account that is right for you!

United Rewards Checking United Access Checking Utility Checking
In addition to all the amazing benefits that come with the standard checking accounts (Online Banking, Mobile Deposit, and Billpay). You will also receive access to over 55,000 surcharge free ATMs worldwide with our expanded ATM Network. Ensuring that no matter where you are there is always an fee free ATM close by. An electronic account that offers an easy-to-waive monthly fee, access to over 55,000 surcharge free ATMs, and access to our complete suite of digital tools(Mobile banking, Bill Pay, Remote Deposit Capture, and Money Management) A standard checking account with a low monthly service charge and essential features such as Online Banking, Mobile Deposit, and Billpay.
University Checking Fresh Start Checking  
Designed with the hardworking student in mind, this account offers expanded access to 55,000+ surcharge-free ATMs around the country, and free personal finance management counseling 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.  

Apply for a Checking Account     Find a United Teletech Branch Location

  United Rewards Checking United Access Checking University Checking Fresh Start Checking Utility Checking
Minimum Balance To Open $25 $25 $25 $25* $25
Balance Requirement $0   $0 $0 $0
Monthly Service Charge

$10;waived with

10 debit transactions

$10; waived with

$500 in direct deposit or a $1,500 average daily balance


until age 25

$10/month $3/month
Transactions at United Teletech Branches Unlimited

$10 Monthly Fee; waived if you do not perform a deposit or withdrawal in branch

Unlimited Unlimited Unlimited
Expanded Fee Free ATM Access    
Online Banking
Mobile Banking
Mobile Deposit  
Bill Pay  
Unlimited Check Writing    
First Box of Standard Checks 4 Starter Checks - No checks after  
Loan Discounts        

IRA/CD Relationship Pricing

Waived new money requirement for CD/IRA promos        

Overdraft Privilege(If qualified)

Signature Guarantee 1st Free        
Free Certified Checks        

Apply for a Checking Account     Find a United Teletech Branch

*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