Ultimate Checking Tips, Info & FAQs
A checking account with unlimited 1/2% cash back on signature-based debit card transactions.
Make your money work for you! Our Ultimate Checking gives you 1/2% cash back on all signature-based purchases automatically, every month. There are no caps or minimums to worry about, so the more transactions you make, the more money you earn.
Going Green: Save the World While Saving Money
What are my options for digital banking?
In the age where errands can be done from your living room couch, banking is right there along with shopping for clothing or airline tickets.
Digital banking is growing greener with each technical advancement. Mobile banking helps the environment by saving the gas you’d need for the trip and the paper used for statements and receipts. Credit card use saves on paper, metals and energy used to create, track and replace cold cash. With instant-pay sites like Paypal and online bill paying, virtually all paper used in the production of checks, receipts and money is eliminated.
Are there any risks to digital banking?
The benefits are fantastic, but digital banking does come with several minor risks. Some people find budget-keeping more difficult when a glance at a phone screen reveals a generous bank balance while neglecting payments that are still outstanding. The best fix for this is to set up separate accounts for savings and spending so you know exactly what’s in your checking account. Also, there are some things, like setting up new accounts and making certain deposits, that must be done in person.
The biggest threat is the fear of hackers and identity theft. To this end, United Texas CU uses industry-leading security protection technology, which can be strengthened when you choose strong passwords and refrain from banking on public computers. In fact, the advent of online banking has reduced the quantity of paper scraps containing personal information. This in and of itself is reducing incidences of identity theft.
Do any banking initiatives directly support environmental sustainability?
Every ethical financial institution’s goal is to support the sustainability and health of its community. Credit unions lead the charge nationally by supporting local businesses. The shorter the distance that goods travel, the less carbon dioxide that leaks into the atmosphere. You can help these efforts by choosing an energy-efficient car or adding green features to your home.
How can this help me?
Aside from the benefits of going green, sustainable banking offers many advantages: It can be done anytime, anywhere. You save on gas. E-mailed receipts and monthly statements keep everything organized and in one place, which also helps with budgeting.
Instant payment allows you to, well, be paid instantly. No more misplacing checks or waiting for them to clear. With automatic bill payments, you can forget about your bills without forgetting to pay them, keeping your stress levels down and your credit scores high. Green auto loans and mortgages allow you to save money on purchases that might have previously been more expensive. Ultimately, saving the earth can save you time, money and energy.
To be part of the future, take these four easy steps:
- Download our app for easy access to your accounts from anywhere in the world.
- Enroll in electronic statements to get your important financial updates via e-mail.
- Set up direct deposit to split your paycheck between your savings and checking accounts and even to make loan payments.
- Use online bill pay to automatically and securely pay your bills each month.
How do I open an Ultimate Checking account?
Existing credit union members may open an Ultimate Checking account by calling (800) 531-8456 or visiting any of our five convenient locations.
Which ATMs can I use for free?
You may use any ATM located at a United Texas branch, or you may use any of the almost 30,000 ATMs in the nationwide CO-OP ATM Network surcharge-free.
Can I deposit checks with my smartphone?
Yes! You may use our free Mobile Check Deposit service with the United Texas Mobile app. This is available for any Apple or Android device.
How do I order checks for my account?
To order your first set of checks, call (210) 561-4500 or visit any branch. For any recurring check orders, go to Main Street.
You’ll need the following information for online orders:
- Your account number
- Your routing number: 314088860
- Your control number
- The check number you would like your new book of checks to start with
Not sure what style of check you want? Take a look at Main Street’s catalog of check options.
What is Overdraft Privilege?
For qualified members, Overdraft Privilege is an extra line of defense for your Checking Account. This service saves you the embarrassment of a bounced check and protects your debit card transactions.
With Overdraft Privilege, you’ll pay an overdraft fee for each overdrawn transaction up to your pre-approved amount, but you’ll avoid the merchant’s returned check fee and stay in good standing with your favorite businesses.
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Ultimate Checking Why United Texas
- 1/2 % unlimited cash back on signature-based debit card transactions
- No caps or minimums
- Better cash back rates than our competitors
- Automatic rewards every month
- Free E-Statements*
New to the area, wanted a Credit Union to bank with. We found United Texas. Very friendly, easy to set up account. Looking forward to many years of banking. You definitely don't feel like a number. Would have rated a 5 Star if we'd of been able to get Debit cards right away, took about a week, same for checks. But all doable.
Thanks for taking the time to let us know about your recent experience at our Boerne Branch. Welcome to the United Texas family! We look forward to serving you and your family for years to come! - Karla
I am a new member and in a crazy world where management gets nothing but complaints, I would like to compliment your employee Abby for her professionalism and prompt responses. I hate banks and dealing with them and she has totally changed my mind. Very knowledgeable of what her job is and performs well. Keep up the good work Abby!!!! Way to go!!!
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Ultimate Checking How it Works
Opening an Ultimate Checking account with us is fast and simple.
Give us a call, contact us online or visit any of our branches.
Join United Texas Credit Union. All you need to do is open a $5.00 minimum savings account.
Open an Ultimate Checking account with an initial deposit of $25.00, unless you sign up for direct deposit.
Start earning unlimited cash back!
Related Products & Services
Must meet membership requirements and open and maintain a United Texas Savings Account with a $5 balance.
Cash back amount is determined by the date that qualifying transactions post to the account.
$5 monthly paper statement fee without E-Statements.