Checking Accounts

* 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.