Rewards checking takes the cake

Rewards Checking

Earn interest and up to double Visa Platinum Rewards points

Rewards checking takes the cake

Have your cake and eat it too with an interest-earning checking account with no minimum balance required. When you use your 1st United debit or credit card to make at least 15 purchases a month, you’ll earn interest on your Rewards Checking balance.

The perfect match for your Visa Platinum Rewards card

Earn $100! Click to Learn More.

With a Visa Platinum Rewards credit card, you could earn double points on your spending. Use your debit or credit card 15 times per month combined and we’ll give you 1.5x points on your Visa Platinum Rewards card purchases. Use it 30 or more times and we’ll give you 2x points.

Have a Visa Platinum card and want to upgrade to Platinum Rewards? Upgrade here
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Earn interest
when you use your 1st United debit or credit card to make at least 15 purchases a month.
View checking rates
Two credit cards
Earn 1.5x points
on Visa Platinum Rewards card purchases when you use your debit or credit card 15 times per month.
Learn about Visa Platinum Rewards
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Earn double points
when you make 30 or more purchases.
See what you could earn with your points

Rewards checking has all the same great benefits of our free checking account:

  • No monthly fee
  • No minimum balance requirement
  • Free FICO® Score quarterly
  • Free online and mobile banking to access your account from anywhere
  • Free online bill pay
  • Free access at 30,000+ ATMs nationwide

Start getting rewarded today



Checking account and debit card establishment are subject to approval using a third-party consumer reporting agency. Dividends are paid monthly based on average daily balance, and will only be paid if the combined total of debit and credit card purchase transactions reaches 15 or more within the month. All qualifying transactions must post to the account and the funds must be available to fund the transaction by the last business day of each month. Click here for current rates. No monthly fee, but other fees may reduce earnings. Rewards Checking only available for members 18 and older. Rewards bonus: 1st United Visa Rewards account holders will receive a 50% bonus (1.5 points per dollar spent) on their Rewards points if they perform 15–29 combined debit and/or credit card purchase transactions or a 100% bonus (2 points per dollar spent) if they perform 30+ combined debit and/or credit card purchase transactions. Bonus will be credited in the subsequent Visa cycle. Loans are subject to credit approval. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. Foreign transaction fees are 2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made in the United States if the merchant is in a foreign country. View our full Visa disclosure. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Insured by NCUA.

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