Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.2%(Verified 06/21/2024)
Monthly Service Fee
Up to $10(Verified 01/21/2026)
Unifimoney High Yield Checking Review
The Unifimoney High Yield Checking is offered by Unifimoney, a nonbank financial services provider founded in 2019 and based in San Francisco, CA. Unifimoney High Yield Checking is available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. Unifimoney High Yield Checking has an annual percentage yield of up to 0.2%, which is higher than the national average interest rate on savings accounts.
- Charges a monthly fee. This account charges a monthly fee of up to $10, but the fee may be waived if you keep a minimum balance of$20,000.
- $100 minimum opening deposit. This is a typical minimum initial deposit.
- No ATM fees. Unifimoney High Yield Checking does not charge fees on ATM transactions within its network but there is a fee of $0.75 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Unifimoney mobile or online banking.
Unifimoney High Yield Checking Pros & Cons
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Unifimoney High Yield Checking FAQ
Are checking accounts from Unifimoney federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Unifimoney High Yield Checking offer?
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| APY (Annual Percentage Yield) | 0.2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Unifimoney High Yield Checking offers an APY of 0.2% (APY stands for annual percentage yield, rates may change).
What are the account minimums for Unifimoney High Yield Checking?
Unifimoney High Yield Checking requires a minimum initial deposit of $100.
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| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $20,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Unifimoney High Yield Checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $10.
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| Monthly Service Fee | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0.75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Unifimoney High Yield Checking offer?
This account includes the following features:
- Fraud monitoring - Unifimoney High Yield Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Unifimoney High Yield Checking 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 Unifimoney High Yield Checking?
The customer support email for Unifimoney High Yield Checking is info@unifi.money.
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Message from Unifimoney High Yield Checking
Contact
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed