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  United Nations FCU Checking Account

United Nations FCU Checking Account

in Checking Accounts from United Nations FCU · ncua

Unaffiliated

United Nations FCU Checking Account

Unaffiliated

in Checking Accounts from United Nations FCU · Insured by NCUA

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
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Monthly Fee $0
ATM Fee: Out-of-Network $1
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0.05% - 1%

United Nations FCU Checking Account Review

United Nations FCU Checking Account is offered by United Nations FCU, a credit union founded in 1947 and based in Long Island City, NY. United Nations FCU Checking Account is available in 50 states (and Washington, DC).

Key Takeaways
  • Higher than average APY. United Nations FCU Checking Account has an annual percentage yield of up to 1%, which is higher than the national average interest rate on savings accounts.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Small minimum initial deposit. You only need $1 to open an account.
  • No ATM fees. United Nations FCU Checking Account does not charge fees on ATM transactions within its network but there is a fee of up to $1 for out-of-network ATM transactions.
  • ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through United Nations FCU.
UNFCU checking account Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Dividend-yielding account
  • Insured by NCUA.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.
UNFCU checking account FAQ

Are checking accounts from United Nations FCU federally insured?

Yes, your United Nations FCU 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 UNFCU checking account offer?

UNFCU checking account offers an APY starting at 0.05% and ranging up to 1% (APY stands for annual percentage yield, rates may change).

UNFCU checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 1%

What are the account minimums for UNFCU checking account?

UNFCU checking account requires a minimum initial deposit of $1 to open an account.

United Nations FCU Checking Account Minimums
Description
APY Minimum Balance $0
Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does UNFCU checking account charge?

The good news is that this account does not have a monthly Service Charge.

United Nations FCU Checking Account Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $25
Online Bill Pay Fee $0
Overdraft Item Fee $5
Overdraft Protection Fee (per transfer) $25
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $25
Returned Deposit Fee (International) $25
Stop Payment Fee $15
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $30
ATM Fee: Out-of-Network $1

Does UNFCU checking account charge overdraft fees?

Yes, UNFCU checking account charges a $5 fee for every overdraft.

UNFCU checking account offers overdraft protection at a cost of $25 per transaction.

What features and perks does UNFCU checking account offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees.
  • Fraud monitoring - UNFCU checking account 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 - UNFCU checking account 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 UNFCU checking account?

The customer support email for UNFCU checking account is email@unfcu.com.

How do people rate the customer service and user experience of UNFCU checking account?

Overall, UNFCU checking account is strongly recommended based on community reviews that rate customer service and user experience.

United Nations FCU Checking Account Disclosure: UNFCU membership is open to members of our designated associations. If you are not directly affiliated with the United Nations, but reside in the United States, you are eligible to join UNFCU if you are a member of: United Nations Association of the United States of America (UNA?USA), or Kilimanjaro Initiative USA.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From United Nations FCU Checking Account

Spending made simple. Convenience, security, and rewards—all for you, in one spending account. Checking account benefits: No monthly fees, No minimum balance requirement, Secure mobile USD check deposits using our Digital Banking mobile app, Free ACH transfers, Pay US bills online with BillPay, Overdraft protection for when there is not enough money in your account, Automatic direct deposits, Free personalized checks: Pay only for the associated tax and mailing costs. 

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 3:00pm
  • Tuesday 9:00am - 3:00pm
  • Wednesday 9:00am - 3:00pm
  • Thursday 9:00am - 3:00pm
  • Friday 9:00am - 3:00pm
  • Saturday Closed

Other Services by United Nations FCU

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

APY Minimum Balance $0
Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $25
Overdraft Item Fee $5
Overdraft Protection Fee (per transfer) $25
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $25
Returned Deposit Fee (International) $25
Stop Payment Fee $15
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Outgoing) $30
ATM Fee: Out-of-Network $1
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
APY (Annual Percentage Yield) 0.05% - 1%

United Nations FCU Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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