Personal Checking
Bank from anywhere
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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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Description
Description
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Minimum Balance To Open
Minimum Balance To Open
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Balance Requirement
Balance Requirement
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Monthly Service Charge
Monthly Service Charge
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Transactions at United Teletech Branches
Transactions at United Teletech Branches
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Expanded Fee Free ATM Access
Expanded Fee Free ATM Access
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Online Banking
Online Banking
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E-Statements
E-Statements
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Mobile Banking
Mobile Banking
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Mobile Deposit
Mobile Deposit
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Bill Pay
Bill Pay
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Unlimited Check Writing
Unlimited Check Writing
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First Box of Standard Checks
First Box of Standard Checks
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Loan Discounts
Loan Discounts
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IRA/CD Relationship Pricing
IRA/CD Relationship Pricing
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Overdraft Privilege(If qualified)
Overdraft Privilege(If qualified)
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Signature Guarantee
Signature Guarantee
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Free Certified Checks
Free Certified Checks
United Rewards
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Description
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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Minimum Balance To Open
$25
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Balance Requirement
$0
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Monthly Service Charge
$10; waived with 10 debit card transactions
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Transactions at United Teletech Branches
Unlimited
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Expanded Fee Free ATM Access
✔
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Online Banking
✔
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E-Statements
✔
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Mobile Banking
✔
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Mobile Deposit
✔
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Bill Pay
✔
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Unlimited Check Writing
✔
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First Box of Standard Checks
✔
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Loan Discounts
✔
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IRA/CD Relationship Pricing
Waived new money requirement for CD/IRA promos
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Overdraft Privilege(If qualified)
✔
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Signature Guarantee
1st Free
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Free Certified Checks
✔
United Access
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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.
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Minimum Balance To Open
$25
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Balance Requirement
$500 Direct Deposit or a $1,500 average daily balance
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Monthly Service Charge
$10; waived with
$500 in direct deposit or a $1,500 average daily balance
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Transactions at United Teletech Branches
$10 Monthly fee: waived if you do not perform a deposit or withdraw in branch
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Expanded Fee Free ATM Access
✔
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Online Banking
✔
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E-Statements
✔
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Mobile Banking
✔
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Mobile Deposit
✔
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Bill Pay
✔
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Unlimited Check Writing
n/a
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First Box of Standard Checks
4 starter checks
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Loan Discounts
n/a
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IRA/CD Relationship Pricing
n/a
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Overdraft Privilege(If qualified)
n/a
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Signature Guarantee
n/a
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Free Certified Checks
n/a
Utility
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Description
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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Minimum Balance To Open
$25
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Balance Requirement
$0
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Monthly Service Charge
$3/ month
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Transactions at United Teletech Branches
unlimited
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Expanded Fee Free ATM Access
n/a
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Online Banking
✔
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E-Statements
✔
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Mobile Banking
✔
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Mobile Deposit
✔
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Bill Pay
✔
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Unlimited Check Writing
n/a
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First Box of Standard Checks
n/a
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Loan Discounts
n/a
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IRA/CD Relationship Pricing
n/a
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Overdraft Privilege(If qualified)
n/a
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Signature Guarantee
n/a
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Free Certified Checks
n/a
University
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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.
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Minimum Balance To Open
$25
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Balance Requirement
$0
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Monthly Service Charge
$10;waived
until age 25
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Transactions at United Teletech Branches
unlimited
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Expanded Fee Free ATM Access
✔
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Online Banking
✔
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E-Statements
✔
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Mobile Banking
✔
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Mobile Deposit
✔
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Bill Pay
✔
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Unlimited Check Writing
✔
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First Box of Standard Checks
✔
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Loan Discounts
n/a
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IRA/CD Relationship Pricing
n/a
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Overdraft Privilege(If qualified)
n/a
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Signature Guarantee
n/a
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Free Certified Checks
n/a
Fresh Start
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Description
Need to get back on your financial feet? Our full-service Fresh Start Checking account is for you.
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Minimum Balance To Open
$25
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Balance Requirement
$0
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Monthly Service Charge
$10/month
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Transactions at United Teletech Branches
unlimited
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Expanded Fee Free ATM Access
n/a
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Online Banking
✔
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E-Statements
✔
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Mobile Banking
✔
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Mobile Deposit
✔
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Bill Pay
✔
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Unlimited Check Writing
✔
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First Box of Standard Checks
✔
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Loan Discounts
n/a
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IRA/CD Relationship Pricing
n/a
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Overdraft Privilege(If qualified)
n/a
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Signature Guarantee
n/a
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Free Certified Checks
n/a
Ready to Open a United Teletech Checking Account?
Member of CURewards? Click here to access your rewards account.