Ultimate Checking Tips, Info & FAQs
A checking account where you can earn unlimited cash back, and enjoy many valuable benefits.
Make your money work for you! Our San Antonio cashback checking account is offered to individuals throughout Bexar, Kendall, Comal, and Tarrant Counties and gives you debit card rewards: 1/2% cashback on all signature-based debit card purchases automatically, every month. There are no caps or minimums to worry about, so the more transactions you make, the more money you earn.
Ultimate Checking makes it simple to keep your family finances safer and take advantage of smart discounts on financial services and everyday purchases.
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
Accidental Death & Dismemberment Insurance²
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)
Cell Phone Protection²
Receive up to $400 of replacement or repair costs if your mobile phone has been stolen or damaged. You are covered 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.)
Travel & Leisure Discounts
Get discounts from thousands of national and local businesses in San Antonio with your Ultimate Checking Account. Available online only.
Roadside Assistance Service²
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.
Health Discount Savings
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 with an Ultimate Checking Account, offered in San Antonio!
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.
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 six 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 (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.
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
- Better cash back rates than other institutions
- Automatic rewards every month
- Enjoy a full suite of financial perks at no extra cost
- Get paid up to two days early with Direct Deposit
I’ve been a member for almost 10 years. Super simple loan process and great checking/savings options. Great local credit union!
Hi Huston - Thanks so much for your five-star endorsement of United Texas Credit Union. We sincerely appreciate your loyalty and look forward to serving you and your family for many years to come! Thanks again! - Karla :)
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
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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.
Cashback amount is determined by the date that qualifying transactions post to the account.
1Benefits 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.
2Special 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.
The monthly account fee is determined by fulfilling account requirements and is subject to change monthly:
Ruby = $6 per month
Sapphire = $4 per month
Diamond – no monthly fee
$5 monthly paper statement fee without E-Statements.