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Personal Checking

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Why Choose a Checking Account with UTF?

United Teletech Financial is a not-for-profit financial cooperative that aims to help each individual member reach their financial goals.

  • We're Local

    We serve all members who live, serve, worship, learn and volunteer in Monmouth County. We offer several convenient locations to fit your needs.

  • We Give Back to the Community

    Our goal is to serve the community by giving back. That’s why we support multiple charities and offer financial resources for the surrounding area.

  • We Offer Better Rates, Fewer Fees and Extra Services

    We’re owned by our members, so our earnings go right back into our membership. This enables us to offer better rates and fewer fees than other financial institutions.

  • We Offer Financial Support

    Our certified financial counselors can help you budget, pay off debt and more, guiding you towards your financial goals.

All the Features, All in One Place

A checking account is one of the building blocks of your financial wellbeing. When you open a checking account with us, you receive the benefits of being a United Teletech Financial member as well as a wide range of account features.

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

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

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    Bank Anywhere

    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.

  • Computer class="wrapper">

    Online Banking

    You can access your checking account and pay your bills from anywhere with online banking. Transfer money, pay your bills, and view account history all in once place.

  • MobilePhone class="wrapper">

    Mobile Banking & Mobile Deposit

    Want to deposit a check from home? Need to check your account? You can do both using our mobile banking and deposit.

  • CreditCard class="wrapper">

    Debit Card

    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.

  • Description

    Description

  • Minimum Balance To Open

    Minimum Balance To Open

  • Balance Requirement

    Balance Requirement

  • Monthly Service Charge

    Monthly Service Charge

  • Transactions at United Teletech Branches

    Transactions at United Teletech Branches

  • Expanded Fee Free ATM Access

    Expanded Fee Free ATM Access

  • Online Banking

    Online Banking

  • E-Statements

    E-Statements

  • Mobile Banking

    Mobile Banking

  • Mobile Deposit

    Mobile Deposit

  • Bill Pay

    Bill Pay

  • Unlimited Check Writing

    Unlimited Check Writing

  • First Box of Standard Checks

    First Box of Standard Checks

  • Loan Discounts

    Loan Discounts

  • IRA/CD Relationship Pricing

    IRA/CD Relationship Pricing

  • Overdraft Privilege(If qualified)

    Overdraft Privilege(If qualified)

  • Signature Guarantee

    Signature Guarantee

  • Free Certified Checks

    Free Certified Checks

United Rewards

  • Description

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

  • Minimum Balance To Open

    $25

  • Balance Requirement

    $0

  • Monthly Service Charge

    $10; waived with 10 debit card transactions

  • Transactions at United Teletech Branches

    Unlimited

  • Expanded Fee Free ATM Access

  • Online Banking

  • E-Statements

  • Mobile Banking

  • Mobile Deposit

  • Bill Pay

  • Unlimited Check Writing

  • First Box of Standard Checks

  • 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

United Access

  • Description

    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.

  • Minimum Balance To Open

    $25

  • Balance Requirement

    $500 Direct Deposit or a $1,500 average daily balance

  • Monthly Service Charge

    $10; waived with

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

  • Transactions at United Teletech Branches

    $10 Monthly fee: waived if you do not perform a deposit or withdraw in branch

  • Expanded Fee Free ATM Access

  • Online Banking

  • E-Statements

  • Mobile Banking

  • Mobile Deposit

  • Bill Pay

  • Unlimited Check Writing

    n/a

  • First Box of Standard Checks

    4 starter checks

  • Loan Discounts

    n/a

  • IRA/CD Relationship Pricing

    n/a

  • Overdraft Privilege(If qualified)

    n/a

  • Signature Guarantee

    n/a

  • Free Certified Checks

    n/a

Utility

  • Description

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

  • Minimum Balance To Open

    $25

  • Balance Requirement

    $0

  • Monthly Service Charge

    $3/ month

  • Transactions at United Teletech Branches

    unlimited

  • Expanded Fee Free ATM Access

    n/a

  • Online Banking

  • E-Statements

  • Mobile Banking

  • Mobile Deposit

  • Bill Pay

  • Unlimited Check Writing

    n/a

  • First Box of Standard Checks

    n/a

  • Loan Discounts

    n/a

  • IRA/CD Relationship Pricing

    n/a

  • Overdraft Privilege(If qualified)

    n/a

  • Signature Guarantee

    n/a

  • Free Certified Checks

    n/a

University

  • Description

    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.

  • Minimum Balance To Open

    $25

  • Balance Requirement

    $0

  • Monthly Service Charge

    $10;waived

    until age 25

  • Transactions at United Teletech Branches

    unlimited

  • Expanded Fee Free ATM Access

  • Online Banking

  • E-Statements

  • Mobile Banking

  • Mobile Deposit

  • Bill Pay

  • Unlimited Check Writing

  • First Box of Standard Checks

  • Loan Discounts

    n/a

  • IRA/CD Relationship Pricing

    n/a

  • Overdraft Privilege(If qualified)

    n/a

  • Signature Guarantee

    n/a

  • Free Certified Checks

    n/a

Fresh Start

  • Description

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

  • Minimum Balance To Open

    $25

  • Balance Requirement

    $0

  • Monthly Service Charge

    $10/month

  • Transactions at United Teletech Branches

    unlimited

  • Expanded Fee Free ATM Access

    n/a

  • Online Banking

  • E-Statements

  • Mobile Banking

  • Mobile Deposit

  • Bill Pay

  • Unlimited Check Writing

  • First Box of Standard Checks

  • Loan Discounts

    n/a

  • IRA/CD Relationship Pricing

    n/a

  • Overdraft Privilege(If qualified)

    n/a

  • Signature Guarantee

    n/a

  • Free Certified Checks

    n/a

Ready to Open a United Teletech Checking Account?

Member of CURewards? Click here  to access your rewards account.

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