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  Unifimoney High Yield Checking
Unifimoney High Yield Checking
in Checking Accounts from Unifimoney
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Unifimoney High Yield Checking

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in Checking Accounts from Unifimoney
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.2%
Monthly Fee Up to $10
Minimum Balance to Avoid Monthly Fee Starting at $20,000

Unifimoney High Yield Checking Review

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 service fee of up to $10, but the fee is waived if you keep a minimum balance of $20,000 or have a monthly direct deposit of $2,000.
  • $1,000 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • No ATM fees. Unifimoney High Yield Checking does not charge fees on ATM transactions within its network but there is a fee of up to $0.75 for out-of-network ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Unifimoney.
Unifimoney High Yield Checking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No signup bonus.
  • Online-only account with no access to physical branches.
  • Monthly service charge (if minimums are not met).
  • Charges a fee on out-of-network ATM transactions.
Unifimoney High Yield Checking FAQ

Are checking accounts from Unifimoney federally insured?

Yes, this account is insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #8273). 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?

Unifimoney High Yield Checking Rates & Terms
Description
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 $1,000 to open an account.

Unifimoney High Yield Checking Minimums
Description
Minimum Direct Deposit to Avoid Monthly Fee $2,000
Minimum Opening Deposit $1,000
Minimum Balance to Avoid Monthly Fee Starting at $20,000

What fees does Unifimoney High Yield Checking charge?

This account charges a monthly service fee of up to $10.

Unifimoney High Yield Checking Fees
Description
ATM Fee: In-Network $0
Online Bill Pay Fee $0
ATM Fee: Out-of-Network $0.75

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 checks 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 Account. This means you don’t need to worry about leaving money in your checking account or underperforming savings account and all your money is working hard for you all the time.

Feature Rich, All the features and functionality you would expect from a traditional big bank checking account, but with one important difference: we pay savings-level interest rates. The DDA account is provided by our partner bank UMB Bank member FDIC. UMB is a 108-year-old institution with over $24bn in assets and publicly listed with the ticker UMBF.

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

About Unifimoney High Yield Checking

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Direct Deposit to Avoid Monthly Fee $2,000
Minimum Opening Deposit $1,000
Minimum Balance to Avoid Monthly Fee Starting at $20,000
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Monthly Fee Up to $10
ATM Fee: Out-of-Network $0.75
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Member FDIC
  • Online-Only Account
APY (Annual Percentage Yield) 0.2%

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