Last Updated: 01/21/2026
Encompass Credit Union Ultimate Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.10% - 1.00%(Verified 06/21/2024)
Monthly Service Fee
$5(Verified 01/21/2026)
Encompass Credit Union Ultimate Checking Account Review
The Encompass Credit Union Ultimate Checking Account is offered by Encompass Credit Union, a credit union founded in 1953 and based in Tipton, IN. Encompass Credit Union Ultimate Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Up to 1.00% annual percentage yield (APY). This account offers an annual percentage yield of up to 1.00%, which is much higher than the average for the checking accounts that we track
- Waivable monthly maintenance fee. Using your Encompass Credit Union Checking Account each month, you must: Log into NetTeller or Encompass Mobile App Be enrolled in eStatements Have Direct Deposit Have at least 6 bills paid with our iPay clear your account Have at least 6 debit card transactions clear your account
- No ATM fees. Encompass Credit Union Ultimate Checking Account does not charge fees on ATM transactions .
- Up to $15.00 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
Encompass Credit Union Ultimate Checking Account Pros & Cons
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Encompass Credit Union Ultimate Checking Account FAQ
Are checking accounts from Encompass Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Encompass Credit Union Ultimate Checking Account offer?
Encompass Credit Union Ultimate Checking Account offers an APY starting at 0.10% and ranging up to 1.00% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.10% - 1.00% |
What are the account minimums for Encompass Credit Union Ultimate Checking Account?
Encompass Credit Union Ultimate Checking Account requires a minimum initial deposit of $25.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Encompass Credit Union Ultimate Checking Account charge?
This account charges a monthly maintenance fee each statement cycle of $5.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $6.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Waiver Requirements | Using your Encompass Credit Union Checking Account each month, you must: Log into NetTeller or Encompass Mobile App Be enrolled in eStatements Have Direct Deposit Have at least 6 bills paid with our iPay clear your account Have at least 6 debit card transactions clear your account | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Encompass Credit Union Ultimate Checking Account charge overdraft fees?
Yes, Encompass Credit Union Ultimate Checking Account charges a $25.00 fee for every overdraft.What features and perks does Encompass Credit Union Ultimate Checking Account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees up to a monthly maximum of $15.00.
- Mobile Banking Services - Encompass Credit Union Ultimate Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Encompass Credit Union Ultimate Checking Account?
The customer support email for Encompass Credit Union Ultimate Checking Account is info@encompasscu.org.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 4:30PM
Tuesday
8:30AM - 4:30PM
Wednesday
8:30AM - 4:30PM
Thursday
8:30AM - 4:30PM
Friday
8:30AM - 4:30PM
Saturday
9:00AM - 12:00PM
Other Services by Encompass Credit Union
Other Checking Accounts from Encompass Credit Union
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.10%
Disclaimer popup with additional information
Monthly Service Fee
$5
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
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