Scam Alert: We have been alerted that someone may be spoofing our 1-800-531-2328 and 512-435-4545 numbers to tell members they have fraud on their debit card and attempt to gather personal information. Please remember to not provide any information to someone who calls you and requests personal information. If you're not comfortable with a call you receive claiming to be UHCU, hang up and call UHCU directly. 
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2024 Holiday Toy Drive NEW

United Heritage Credit Union is hosting a Holiday Toy Drive to support kids in Central and East Texas. UHCU will collect new and unopened toys, and funds, from November 12 through November 29 at all branch locations. Click here for more info on how to donate!
Elevate Your Everyday with a Metal Debit Card NEW

UHCU is now offering metal debit cards for all checking accounts. Click here to order yours today!
Our Southwest Branch is Updating Hours NEW

Effective Saturday, November 23, 2024, our Southwest branch drive-thru lanes will be closed on Saturdays. Our lobby will remain open and our drive-up ATMs with expanded features will be available. Click here for more information.
Refer Your Friends & Earn Up to $500!* NEW

Earn $50 for each friend you refer that opens a UHCU checking account. You can earn up to $500 per year*! You and your friend both earn $50 when your friend opens an account and meets all of the requirements.

Learn more and Refer a Friend today!
Skip-A-Pay NEW

It's now easier than ever to skip a loan payment with our Skip-a-Pay program. Click here to learn more!
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UHCU Checking Accounts

Choosing a checking account is easy at United Heritage Credit Union. If you’re new to the Austin, Tyler or Central Texas area or if you’re just looking for a better way to bank, United Heritage is the place for you. UHCU offers four distinct checking options, including accounts specifically designed for teens and those looking for a second chance at banking. Free Mobile Banking, Online Banking and eStatements come standard with all UHCU checking accounts. Review our checking options and apply online today.

Freedom Checking For members who want easy checking with no opening balance or monthly fees.
Choice Checking A perfect fit for members working on rebuilding financial standing and stability.
VIP Money Market Get the most from your money with an interest-earning checking account.
Minimum Opening Balance
$0
$20
Dividends paid monthly on balances exceeding $2500
Monthly Service Fee
$0
$10
$0 with minimum balance
Premier Perks
$5.95 / month
$5.95 / month
$5.95 / month
ACCOUNT PERKS
Overdraft Protection**
Interest Earning Account
Exclusive rates for accounts of $100,000 or more
Instant Issue VISA Debit Card
Full debit card details
Unlimited Check Writing
Clear up to three (3) checks per month
Unlimited Deposits
CHECKING BENEFITS
Free Online / Mobile Banking
Free Web BillPay*
Free Account Transfers***
Insured up to $250,000
Open an Account
Open An Account
Open an Account

More Checking Account Benefits

Along with all of the features listed above for each specific account. Our checking accounts come standard with even more benefits.
Additional Benefits

Get Paid Early

Open an account with UHCU and you could get paid up to two days early. It's as easy as 1-2-3.
 

  1. Open a UHCU account
  2. Set up direct deposit for your paycheck
  3. Receive your paycheck up to two days early****
It's your money! Why not get it sooner?

Open an Account
Illustrative image of a calendar with an arrow from Friday to Wednesday to show getting paid two days early.
Debit card designs
Teen Checking Account

Are you looking for a checking account for your teenager?

Don’t wait until your teen is out of the house to educate him or her about responsible money management. With no minimum balance requirement, no monthly fee and free account access, UHCU Teen Checking has everything your teen needs for an early start to financial success.

Similar perks and benefits as our Freedom Checking account, including:

  • $0 minimum opening balance
  • No monthly service fee
  • No monthly balance requirement
  • Check writing available for 16-17

Apply for a Teen Checking Account

Deposit checks anytime, anywhere

If you can't make it to a branch or ATM, did you know that you can deposit checks with our mobile app? A time saver and a serious game changer for busy people (aren't we all?) Download our app today and start banking on the go.

Available on the App Atore  Android App on Google Play

Have questions or need help with the mobile app?

Woman depositing check with mobile app

Membership/Regular or Student Savings required. Regular Savings account required for all checking accounts. Par value of one share is $1.Programs (including, without limit, fees, rates and features) subject to change without notice. See Fee Schedule for applicable fees.
Instant Issue Visa® Debit Card: Get an Instant Issue Visa® Debit Card for just $5. Daily transaction limits applied to Teen Checking account debit cards. Copies of cleared checks endorsed within 18 months of request date are free via Online Banking.
*Web BillPay is free when it is actively being utilized. An inactivity fee of $6.95 is assessed if there is fewer than one (1) payment processed during the Web BillPay calendar monthly billing cycle.
**Overdraft Protection is available for all checking accounts from the designated savings account up to the amount of funds on deposit.
***Excludes overdraft transfers.
****United Heritage makes your pay available as soon as it is received, which in many cases can be up to two days before your scheduled payday. Employers control the timing of providing their payroll funds to United Heritage. Early deposit of your payroll is not guaranteed.