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Checking

Do more with free checking and choose from unlimited rewards including access to over 90,000 surcharge free ATMs worldwide.

Exclusively For Members Of USX Federal Credit Union —

You now have a choice of how you bank!  Experience the savings and convenience of a USX FCU Checking Account. Whether you choose the simplicity of our FREE Checking or want your checking account to do a little more with our NEW Members Plus Checking with Interest.  We have a checking account you CAN afford to use!

FREE Checking

NO Minimum Balance (4)
NO Monthly Fees
NO per check charges
NO limit on checks written per month
NO limit on checks deposited per month
FREE Remote Deposit
FREE Direct Deposit and Payroll Deduction
FREE VISA® Debit/ATM Card available
CardTrac®, a free tool that monitors your USX FCU Debit (and Credit) Card
Access to over 90,000 surcharge free ATMs worldwide
FREE 24 hour toll free telephone access to your account
FREE 24 hour Internet Banking through NETBRANCH
FREE 24 hour Online Bill Pay service
FREE E-statements available
Overdraft Advance availableopens PDF file

Member Plus Checking With Earned Dividend

$100.00 minimum deposit to open your account (4)
Only a $1,000.00 monthly average daily balance to avoid fee (1)
Dividend credited monthly
NO per check charges
NO limit on checks written per month
NO limit on checks deposited per month
FREE Personal Checks (2)
FREE Remote Deposit
FREE Direct Deposit and Payroll Deduction
FREE VISA® Debit/ATM Card available (5)
CardTrac®, a free tool that monitors your USX FCU Debit (and Credit) Card
Access to over 90,000 surcharge free ATMs worldwide
FREE 24 hour toll free telephone access to your account
FREE 24 hour Internet Banking through NETBRANCH
FREE 24 hour Online Bill Pay service
FREE E-statements available
FREE Official Checks
FREE Stop Payment orders
FREE Notary Service (signature only)
FREE Overdraft Advance set-up availableopens PDF file (5)

  • Receive a $25.00 VISA® Gift Card if you close on a Consumer Loan within the first 90 days of opening your new Members Plus Checking account (3).
  • Receive a $50.00 VISA® Gift Card if you close on a Vehicle Loan within the first 90 days of opening your new Members Plus Checking account (3).
  • Open either our FREE Checking or Members Plus Checking with your net check direct deposit and you’ll receive a $100.00 cash bonus (4).
  • Take the first step today. Make the move to the Checking Account that fits your banking needs and that you CAN afford to use!
  • For questions or assistance please contact a Member Service Representative at (888) 219-3159opens phone dialer or Contact Us.
View Fee Schedule
  1. $10.00 monthly minimum balance fee will be charged if balance falls below $1,000.00 monthly average daily balance. Please see our fee schedule for more information.
  2. Free personal checks for Member Plus Checking. Limited selection of free personal checks; member will be responsible for cost of checks if they choose a design other than styles designated to be free.
  3. To receive gift card, loan must be closed and funds disbursed within 90 days of account opening. Excludes other promotional offers, VISA credit cards, Real Estate loans and Better Choice loans. Offer may be discontinued at any time.
  4. To receive the $100.00 cash bonus for direct deposit, employer net check direct deposit must start within 60 days of new account opening. Members who have employers that don’t offer direct deposit must deposit a minimum of $400.00 per month into the checking account. USX FCU will determine if this requirement is being met by evaluating the deposit history.
  5. Member Plus Checking has increased limits compared to the FREE Checking. The Free Checking daily ATM cash withdrawal limit up to $300.00, Members Plus daily ATM cash withdrawal limit up to $500.00 per day. The Free Checking daily VISA debit card daily purchase limit up to $1,200.00, Members Plus daily VISA debit card daily purchase limit up to $2,500.00. The Free Checking Overdraft Privilege up to $300.00 limit, Members Plus Overdraft Privilege increased up to $500.00 limit.
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