Personal Accounts

Open Account Couple bikes together outdoors.

Choose Checking You'll Love

Choose from a variety of accounts designed for your unique needs. All personal accounts come with a free Visa debit card, no minimum balance requirements and no monthly fee options.

Not sure which account to choose? Let's break it down and simplify the process.

Account Options at a Glance

Rewards Checking

Full-service checking with three levels: Premium, Value or Access.

$0 Monthly Fee
With Qualifying Services.
Otherwise, $5-$10 monthly

  • Overdraft protection1
  • Paper checks available
  • Free Debit Card
  • No minimum balance

Open Account Learn More

Clear Account

Simple, modern account with no checks and no overdrafts.

$0 Monthly Fee
With Direct or Mobile Deposit.
Otherwise, $5 monthly

  • No risk of overdraft
  • No paper checks
  • Free Debit Card
  • No minimum balance

Open Account Learn More

Compare Personal Accounts

Not eligible for any of the above standard accounts? View information about our Encore Account.

Explore Account Features

Icon demonstrating person to person transfers.
Send Money with Zelle®
 Icon demonstrating free debit card.
Free Debit Cards
 Icon demonstrating credit score access.
Free Credit Score

24/7 Smart & Secure Account Access

Whichever account you choose, you’ll enjoy best-in-class online and mobile banking technology.

  • Online & Mobile Banking - Log in to manage your accounts anytime, anywhere. Deposit checks, pay bills, make transfers, find nearby ATMs, and more.
  • Mobile Wallet - Link your account to your smartphone's mobile wallet (Apple Pay, Samsung Pay and Google Pay™) for a quick and secure way to pay.
  • Budgeting Tools - Use online features to create goals and track your progress, check your credit score for free, and view reports to see how you’re spending your money.
  • Security Features - Turn your cards on and off, set up alerts and updates, and use Mobile Travel Verification to identify legitimate purchases when traveling.

Open AccountExplore Features

We Can Help

Have questions or need help? Our team is ready to help guide you in finding the right account. 

Schedule an Appointment

 

Exclusive Card Designs

Select your favorite card design – you can even show your school spirit with a campus debit card.

UW Credit Union debit card featuring a cartoon Bucky Badger
Black UW Credit Union debit card
UW Credit Union debit card featuring a photo of Bucky Badger
Blue UW Credit Union debit card
Red UW Credit Union debit card with jump around design
UW Credit Union debit card featuring Madison College Mascot
UW Credit Union debit card featuring the UW Madison marching band
UW Credit Union featuring the UW Whitewater Mascot
Yellow UW Credit Union debit card
UW Credit Union debit card featuring an image of the terrace at Memorial Union
Red UW Credit Union debit card featuring University of Wisconsin-La Crosse
UW Credit Union debit card featuring a photo of UW Madison football players
Green UW Credit Union debit card
Orange and white UW Credit Union debit card
UW Credit Union debit card featuring an outdoor scene at UW Whitewater
UW Credit Union debit card featuring the W crest
UW Credit Union debit card featuring a photo of the UW Whitewater Mascot
Red UW Credit Union debit card with University of Wisconsin La Crosse Logo
Green UW Credit Union debit card
Pink zebra patterned UW debit card
Yellow UW Credit Union debit card
Purple UW Credit Union debit card
Red UW Credit Union debit card

Open Account

 

Enjoy the Benefits of Membership

When you open an account, you become a member of UW Credit Union. Your membership gives you access to better rates and fewer fees than you'll find elsewhere, plus a range of valuable discounts and services like free financial seminars and budget help.

Learn More