Ultimate Checking
Unlimited freedom.
Ultimate Checking
Unlimited freedom.
A checking account where you can earn unlimited cash back, and enjoy many valuable benefits.
Turn your everyday spending into savings! Our cashback checking account is here for everyone in Bexar, Kendall, Comal, and Tarrant Counties. Enjoy earning 0.5% cashback automatically on all signature-based purchases made with your debit card – every single month, without any caps or minimums. The more you use your card, the more money you earn.
Plus, with Ultimate Checking, managing your family’s finances becomes easier and more secure, while you also get to enjoy sweet deals on financial services and daily purchases.
Bonus: Get paid up to two days early when you sign up for Direct Deposit!
Your Ultimate Checking Account works for you by including the following benefits:
Helps to better protect you and your joint account owners from any identity fraud event, financial or otherwise, anywhere in the world, even if the event has nothing to do with your cash back checking account at United Texas Credit Union. This coverage includes:
• Credit File Monitoring
• Credit Report
• Identity Theft Expense Reimbursement Coverage²
• Resolution Service
You’re protected from the unexpected with up to $10,000 of 24-hour Accidental Death and Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70)
Receive up to $400 of replacement or repair costs if your mobile phone has been stolen or damaged. You are covered for up to $400 per phone for up to four devices. Your mobile phone bill must be paid through your Ultimate Checking Account or a United Texas Platinum Mastercard.
You’ll receive Buyers Protection² and Extended Warranty² on any item(s) purchased in full with your Ultimate Checking Account Debit Mastercard.
You have up to $100,000 of AD&D coverage and $10,000 of accident medical expense benefits if injured while traveling in a rideshare vehicle. Coverage also includes up to $250 personal property benefits for the replacement of property stolen, damaged, or destroyed due to an accident while traveling in a rideshare vehicle. (Travel costs for the rideshare must be paid using your eligible checking account or a United Texas Platinum Mastercard.)
Get discounts from thousands of national and local businesses in San Antonio with your Ultimate Checking Account. Available online only.
24-hour coverage for roadside assistance services, up to $100 per occurrence with a maximum of two reimbursement claims per 12-month period.
Enjoy exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized portal and receive cash back! Available online only.
Enjoy savings on vision, prescriptions, and dental services.
You get all of this and more for a low monthly fee of $6, so the account pays for itself and saves you money! There are several ways to reduce or waive the fee, so contact us for all of the details.
Start taking advantage of these benefits today by clicking the green “Contact Us” button below to contact us for your access code.
Frequently Asked Questions
Existing credit union members may open an Ultimate Checking account by calling (800) 531-8456 or visiting any of our six convenient locations.
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.
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.
To order your first set of checks, call (800) 531-8456 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.
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.
Disclosures
1 Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
2 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate. This Institution is not federally insured. MEMBERS’ ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.
