Jump to main content
If there are issues using a screen reader on this site, please call 316-219-5197 during normal business hours. Account inquiries and access are available 24 hours a day, seven days a week by using our Automated Phone Teller feature. Please call 316-265-3272 and press option 1 to access your account by Automated Phone Teller.

Personal Checking

All CUA checking accounts feature:

$100 opening balance, online and mobile banking, same-day debit cards, loan discounts, electronic bill pay, SnapCheck remote deposit, access to 30,000+ no surcharge ATMs, overdraft protection and 4 free non-CUA ATM transactions each month (surcharges may apply from the ATM owner)

  Requirements Benefits
  • Direct Deposit or Electronic Payment/Deposit or
  • Minimum combined deposits of $1,000 or
  • Minimum combined loan balances of $5,000+

Fee of $5.95/month if at least one requirement is not met

  • Easy to meet monthly requirements.


  • Direct Deposit or Electronic Payment/Deposit AND
  • eStatements AND
  • >= 12 debit card transactions/month

Fee of $2.95 per month if all requirements not met (waived for youth)

  • Interest bearing with average daily balance of $1,000
  • 1 free domestic wire per year
  • 2,500 bonus VISA Platinum Give back points for new cardholders
  • CD rate bonus
  • ConnectCheck available to students ages 14 and over with parent or guardian as co-owner. Available to students ages 16 and older without co-owner if the online checking tutorial is completed with at least 14 correct answers – print and bring results when opening account. 


  • Primary account owner must be at least 55 years of age
  • No monthly fee
  • Interest bearing with average daily balance of $1,000
  • 20% off check orders

View Rates

VISA Debit Cards

Use CUA debit cards anywhere VISA is accepted, either with a PIN or signature. Both transaction types are deducted from your checking account. Withdraw up to $1,000 daily from ATMs or request cash back on merchant purchases.

Our debit cards have EMV chips to make your purchases more secure, and we offer CardLoc through online banking, which allows you to set daily spending limits and ATM withdrawal amounts as well as lock your card from being used if it’s been misplaced or stolen.

Debit cards are also available for businesses! Get ATM and point-of-sale access to your business checking and utilize online banking for CardLoc features.

Disputing a Charge Locations and ATMs CUA Perks