Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
Checking Accounts
On a daily basis, your checking account is central to how you access your money. That’s why we’ve designed a selection of flexible checking account options to fit your lifestyle now and wherever the future takes you. Choose the account that works best for you.
BlueVantage Checking Account
For only $7 a month, take advantage of our newest Checking Account—packed with all the benefits of Simple Checking, plus:
- Access to Telehealth
- Cell Phone Protection
- IDProtect®
- Roadside Assistance Service
- Travel & Leisure Discounts
- ATM Fee Rebates
- Earn Dividends
- Loan Discounts
- Debit Card Cash Back Rewards
Simple Checking
Your Simple Checking account includes all the features that allow you to manage your money, your way. On-the-go, online, or wherever you are in the world, you get the flexibility that fits your life today.
In addition to all the features listed above, Simple Checking accounts also offer:
- No Monthly Service Charge
- Overdraft Protection
- Courtesy Pay
- Debit Card Cash Back Rewards
Student Rewards Account
As the Official Credit Union of the University of Kentucky, we understand that students need a little extra support. That's why we created the Student Rewards Account, which includes all of the Checking Account Features above, plus some extra benefits to help you ace student life:
- Available for Students Aged 13-25**
- No Monthly Service Charge
- 5% Cashback on All Debit Purchases
- No Overdraft Fees
Senior Freedom Checking Account
As we age, a world of freedom unfolds before us...the freedom to explore, to relax, and to choose exactly how we want to live life to the fullest. Senior Freedom Checking Accounts features everything listed above, as well as:
- Available for Members Aged 54+
- No Monthly Service Charge
- Free First Box of Checks
- Debit Card Cash Back Rewards
It's as Easy as 1-2-3!
Early Pay
With Early Pay from UK Credit Union, you can get access to your paycheck up to two days** early when you set up direct deposit to your UK Credit Union account.
It’s a simple way to take control of your finances—no hoops, no hassle. Just your funds, faster.
$87 Worth of Benefits. Just $7 a Month.
That’s the power of BlueVantage Checking. For around the same cost as a cup of coffee, you unlock a package of everyday perks that would normally set you back nearly ninety bucks:
Telehealth Access – $35/month
Cell Phone Protection – $8/month
IDProtect® Security – $4/month
Roadside Assistance – $5/month
Travel & Leisure Discounts – $25/month
ATM Fee Rebates – $10/month
Add it up: that’s $87 in real value⁹—all bundled into BlueVantage Checking for just $7 per month.
Add your UK Credit Union debit or credit card to your digital wallet to pay with a tap of your phone.
Mobile Payment features:
Just tap and go—no need to insert a card or handle cash
Skip entering PINs or signing receipts in most cases
Maintain security & privacy through encryption, biometrics and tokenization
Store multiple cards, IDs, and even event tickets in one app
Works in millions of locations worldwide, wherever you see the contactless symbol
How do I add my UK Credit Union debit card to my digital wallet?
You can add your UK Credit Union debit card to your Apple Pay or Samsung Wallet for easier access and streamlined check outs! Below, find instructions on how to add your card to your phone's digital wallet.
Apple Pay:
- Open your Wallet App. If not installed, you can download it from the app store here.
- Once you have the app open, click the + symbol.
- Select Add Debit or Credit Card.
- Follow the prompts to add your UK Credit Union card.
Samsung Pay:
- Open your Wallet App. If not installed, you can download it from the app store here.
- Once you have the app open, click Menu.
- Select Payment Cards.
- Click the + symbol.
- Select Add Payment Card.
- Follow the prompts to add your UK Credit Union card.
Live your best financial life with UK Credit Union.
Products and services designed to keep you on the right path.
Here for you, here for life!
Number of Members
111,000+
Google Reviews
4.3
App Reviews
4.7
Direct Deposit
Don't like standing in line to cash a paycheck? Then you'll love direct deposit!
- Your payroll check is deposited into your checking or savings account electronically
- Your money is available as soon as it's received by the credit union; no waiting for a paper check to clear
- Easy to set up
- Safer than a paper check, reducing the risk of fraud or theft
- Plus, get paid up to two days* early!
Set up direct deposit in 3 easy steps...
1. Note UK Credit Union's Routing Number (hint, it's 242176129).
2. Locate your UK Credit Union Account Number by logging into your Online or Mobile Banking and selecting your desired account. From there, you can find your full account number under the "Details and Settings" tab.
3. Talk to your employer's HR department or payroll administrator and ask them how to update your direct deposit to UK Credit Union. It's that easy!
OR Switch your Direct Deposit from within our Online and Mobile Banking with just a few clicks!
Online Bill Pay
Online Bill Pay streamlines your finances by eliminating the hassle of writing checks and mailing bills.
With Online Bill Pay, you can:
- Receive and pay your bills online
- Keep track of your bills in one place
- Track the status of your bills
- Schedule recurring payments so you're never late
- View your payment history
Sign up for Online Bill Pay in a few easy steps...
- Log into Online Banking.
- Under the Bill Payment menu item, select "Pay by Check (ACH)."
- Read and accept the terms of agreement.
- Select the account you would like to enroll in Online Bill Pay.
- Start adding payees and payments.
That's it! Sit back and let us take care of the rest.
Quick Links
Getting you where you want to go.
Your financial wellbeing is our top priority.
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I’ve been with UK Credit Union for twenty years! They always took care of all of my, and my family’s financial needs, with courtesy and professionalism. I would not change my bank for anything, we are like family!!! Thank you, UK Credit Union!!!
Angelica R. -
I love banking with the UK Credit Union! Employees are always friendly and have the information I need quickly. Stopped in last weekend for a certified check and I appreciated the care that went into the transaction. Can't say enough nice things about my banking experiences with them!
Leslie W. -
I have always been a fan of UK Credit Union, which is why I still bank there after 30 years. Their staff is friendly and well-trained; they try to do what you need or suggest ideas; they have enough branches that I can go to one without much extra driving; their loan rates are low; their mobile app is easy to use.
Ginny G. -
Awesome customer service, great loan rates. Great options to access checking and savings accounts in person, through ATM and online.
Paula C.
* Must have UK Credit Union account with active direct deposit. Early Pay is subject to when we receive pay information from the Federal Reserve. Some exclusions may apply to non-traditional ACH account credits.
** Student Rewards Accounts are checking accounts only available to members 13-25 years of age, enrolled in school (primary, secondary or post-secondary education, verified at account opening). Student Rewards Accounts are eligible for 5% cashback on the sum of all PIN and signature-based debit card transactions. The cashback will be paid to your checking account by the fifth day of the following month’s statement cycle or the next business day. The cashback will be capped at $10 per month per checking account for a maximum annual total of $120. Cashback amounts paid to your account may be considered 1099-MISC income and may be reported to the IRS; please consult your tax professional. If your checking account has a negative balance on any day of the month, you will forfeit the cashback payment to your account for that calendar month. You are eligible for this cashback payment until your Student Rewards Account is converted to a Simple Checking account or the date of your 26th birthday. Conversion of a Smart Checking for Students Account to a Student Rewards Account can only be completed by calling 859.264.4200 or visiting a physical UK Credit Union branch location. Federally insured by NCUA.
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