United Nations FCU Checking Account
in Checking Accounts from United Nations FCU · Member ncua
UnaffiliatedUnited Nations FCU Checking Account
in Checking Accounts from United Nations FCU · Member NCUSIF
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| Community Rating |
Rating not yet determined |
| Monthly Fee | $0 |
| ATM Fee: Out-of-Network | $1 |
| Minimum Balance to Avoid Monthly Fee | N/A |
| APY (Annual Percentage Yield) | 0.05% - 1.10% |
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
- Very high APY. This account offers an annual percentage yield of up to 1.10%, which is much higher than the average for a checking account.
- $0 monthly fee. This account does not charge a monthly maintenance fee.
- 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.
- ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
- Free bill pay. Pay your bills to practically anyone in the United States through United Nations FCU.
- Hard credit pull. United Nations FCU may require a hard pull on your credit report to open a checking account.
United Nations FCU Checking Account Pros & Cons
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United Nations FCU 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 person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. 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 United Nations FCU Checking Account offer?
United Nations FCU Checking Account offers an APY starting at 0.05% and ranging up to 1.10% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
|---|---|
| APY (Annualized Percentage Yield) | 0.05% - 1.10% |
What are the account minimums for United Nations FCU Checking Account?
United Nations FCU Checking Account requires a minimum initial deposit of $1 to open an account.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $1 |
What fees does United Nations FCU Checking Account charge?
The good news is that this account does not have a monthly service charge.
| Description | |
|---|---|
| Monthly Fee | $0 |
| Paper Statement Fee | $2 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | $1 |
| NSF Fee | $25 |
| Overdraft Protection Fee (per transfer) | $25 |
| Overdraft Item Fee | $5 |
| Early Account Closure | $0 |
| Returned Deposit Fee (Domestic) | $25 |
| Debit Card Replacement Fee | $0 |
| Bank Teller Fee | N/A |
| Check Cashing Fee | N/A |
| Online Bill Pay Fee | $0 |
| Stop Payment Fee | $15 |
| Check Image Service | N/A |
| Check Copy | N/A |
| Foreign Transaction Fee (Debit Card) | 1% |
| Wire Transfer Fee - Domestic (Outgoing) | $15 |
| Wire Transfer Fee - International (Outgoing) | $30 |
| Wire Transfer Fee - International (Incoming) | $0 |
| Returned Deposit Fee (International) | $25 |
| Wire Transfer Fee - Domestic (Incoming) | $0 |
| ATM Reimbursement Monthly Limit | N/A |
What features and perks does United Nations FCU Checking Account offer?
This account includes the following features:
- ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
- Fraud monitoring - United Nations FCU Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - United Nations FCU Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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.
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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.
Contact
- Headquarters
-
24-01 44th Road
Long Island City, NY 11101 - (347) 686-6000
- Visit Site
Other Services by United Nations FCU
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| APY Minimum Balance | $0 |
| Minimum Initial Deposit | $1 |
United Nations FCU Checking Account Community Reviews
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