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.
The 5 Basic Types of Bank Accounts
Not sure which account is right for you? We break down the basic types of accounts right here so you can make an informed choice:
1. Savings Account
This is the simplest type of bank account and, frankly, everyone should have one. You can deposit and withdraw cash while you receive interest on the money you save. However, you typically won’t be able to use checks or a debit card with these accounts.
2. Standard Checking Account
This account lets you write checks and use a debit card, but it doesn’t usually offer any interest. It may also limit the number of checks you can write.
3. Interest Bearing Checking Account
This type of checking account offers more options, often including unlimited checks. It also gives you interest on your deposits, but may charge a monthly service fee if your balance gets too low.
4. Money Market Deposit Accounts
If you have one of these accounts, the financial institution will make short-term investments with your money. You’ll typically make more interest with these accounts than with a checking account, but you’ll also need a higher minimum balance. This account may also restrict the number of checks you can write.
5. Certificates of Deposit
With this account, you agree to withdraw nothing for a specific amount of time. While the money stays untouched, it accumulates interest at a higher rate. If you withdraw money from the account before the agreed upon time, you’ll pay a small penalty.
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.