Checking Accounts

Checking Accounts

Open a Checking Account That Fits with United Teletech Financial

United Access Checking

Not all checking accounts are created equal. The account you choose should fit your unique needs and offer features that help you reach your financial goals. That's why United Teletech Financial offers checking accounts built to fit you.

United Teletech Financial Checking Accounts

We offer five unique checking accounts, each with their own perks in addition to the features offered to all United Teletech Financial members.

United Rewards Checking

Our premier checking account, United Rewards Checking offers features such as an overdraft privilege, unlimited check writing, surcharge-free ATMs and beyond.
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United Access Checking

Our United Access Checking account is an electronic account that offers an easy-to-waive monthly fee. Plus, you'll have access to surcharge-free ATMs and all the other benefits UTF has to offer.
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Utility Checking

Our Utility Checking account is our basic checking account, featuring a low monthly service charge and the essential UTF account features.
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University Checking

Designed with the college student in mind, our University Checking account serves members 25 years of age and younger. In addition to thousands of surcharge-free ATMs and convenient locations, there's also no monthly service fees.
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Fresh Start Checking

Need to get back on your financial feet? Our full-service Fresh Start Checking account is for you.
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Convenient Banking at Your Fingertips

With each checking account, you'll receive a plethora of features* that make banking convenient and simple.

  • Bank anywhere in the United States: We offer 5,400 shared banking locations across the country. This means you'll always have access to your cash, no matter where you're traveling.
  • Free online banking and bill pay: You can access your checking account and pay your bills from anywhere with online banking and bill pay.
  • Free mobile banking and deposit: Want to deposit a check from home? Need to check your account? You can do both using our mobile banking and deposit.
  • Debit cards: Each account comes with a Mastercard debit card, complete with card alerts so you can stay on top of every transaction. With ID theft protection, you'll be notified when a transaction occurs over a certain threshold.
  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        

Ready to Open an Account? Give Us a Call or Visit Us Today.

To get started today, give us a call at 732-530-8100 or visit one of our many branches. We're proud to be your partner towards reaching financial success.

*Not all features apply to every checking account. To learn more, reach out to us.