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Accounts We Offer

SAVINGS ACCOUNTS

We offer Basic Share Savings accounts. Opening a Savings account with UNITE Credit Union makes you a member-owner of our financial cooperative, enabling you to take advantage of all the financial services we offer!

SECONDARY SAVINGS ACCOUNTS

Open a variety of Secondary Savings Accounts for any reason at no charge. You can even name the account (such as “Vacation Savings” or “Home Repairs”) to help keep you focused on your goals.

  • Low minimum balance
  • Easy and convenient way to save for a special purpose
  • Dividends paid on a low minimum balance
  • Deposits can be made manually, automatically through Payroll Deduction, Direct Deposit or via automatic transfer from another account
  • Access your funds or close your account anytime without penalty.

YOUTH ACCOUNTS

UNITE Credit Union believes it’s essential to teach kids and young adults how to save and manage their finances in preparation for adulthood. You’re never too young to become financially savvy. 
 
UNITE Credit Union offers accounts to members of all ages, beginning at birth. All young people are encouraged to save, and UNITE offers promotions and incentives like our Youth Add-on CD
 
Call 319-273-2479 or email today to learn more about our Youth Account options.
 

SPECIAL SHARE & CHRISTMAS CLUB ACCOUNTS

Put money aside for a special occasion, vacation, or to save for the holidays in a UNITE Credit Union Special Share or Christmas Club Account!

  • Low minimum balance
  • Easy and convenient way to save for a special purpose
  • Dividends paid on a low minimum balance
  • Deposits can be made manually, automatically through Payroll Deduction, Direct Deposit or via automatic transfer from another account
  • Funds are saved throughout the year & then automatically transferred to your savings account in late October. It’s a great way to discipline yourself while you save!

Call or stop in to set up your Special Share account today!

 

CHECKING ACCOUNTS

  • FREE to open
  • No monthly fees
  • No per-check charges
  • Dividends are paid on all balances over $500
  • Includes a FREE Debit/ATM card

Call, stop in or email us to set up your FREE Checking account today!

 

Debit/ATM Card

  • Use as a regular ATM card or as a debit card
  • Enjoy surcharge-free transactions at any Privileged Status ATM
  • Protect yourself from overdrawing your account with our Privilege Pay service
  • Apply for our hassle-free Debit Card today!
  • Receive alerts for transactions with SHAZAM Brella.

 

Privilege Pay

Privilege Pay is a form of overdraft protection that may cover insufficient funds for transactions on your checking account. Paying the overdraft will save additional charges from the merchant collection companies, as well as an insufficient funds fee from UNITE Credit Union. For complete information about Privilege Pay, please read our “FAQ Document“.  However, here are a few standard questions you may want to know:

1) Is there a charge for Privilege Pay?

There is a standard Privilege Pay fee of $30 per item when you overdraw your checking account. The advantage is that you will avoid having to pay a fee to the merchant.

2) Our standard overdraft practices are:

We do authorize and pay overdrafts for the following types of transactions:

a. Checks and other transactions made using your checking account number;
b. Automatic bill payments.

We do NOT authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

a. ATM Transactions;
b. Everyday debit card transactions.

We pay overdrafts at our discretion, which means we do not guarantee that we always authorize and pay any type of transaction.
If we do NOT authorize and pay an overdraft, your transaction will be declined.

3) How long do I have to repay the overdrawn amount?

You have up to 39 days to pay any overdrawn amount, including Privilege Pay fees. However, depending on the situation, we can ask for repayment at any time. Any deposits you make will first be applied to an overdrawn balance.

This service is automatically available for checks written on your share draft checking account. However, to activate this service for debit card purchases, you must complete this form.

 

Checks

Want to order checks for your checking account? Stop into the branch to get those ordered.

Simply need to reorder checks? Call us, mail in or drop off the reorder slip (found in your box of checks).

CDs & IRAs

Check out our special CD rates or stop in to talk to a credit union representative about setting up your CD or IRA.

WIRE TRANSFERS: SENDING & RECEIVING WITH YOUR UNITE ACCOUNT

UNITE Credit Union processes incoming and outgoing wires through National Cooperative Bank (NCB).

To send a domestic wire transfer to a UNITE Credit Union member, provide your financial institution with the following (member’s account is charged a $20 fee for receipt of a domestic wire transfer):

The wire will go to
NCB, FSB
139 S. High St.
Hillsboro, OH 45133
Routing No. 242 272 227 (DO NOT PROVIDE UNITE ROUTING NUMBER)

Beneficiary Financial Institution (FI) is UNITE Credit Union

Beneficiary FI Account Number is 830149557

Beneficiary Name is the name of the UNITE Member(s) 

Beneficiary Account Number is the account number of the UNITE member to whom you wish to wire money

To send an international** wire transfer to a UNITE Credit Union member, provide the sender’s financial institution with the following details:

Beneficiary Financial Institution (FI): UNITE Credit Union

Beneficiary FI Account Number: 830149557

Beneficiary Name: (UNITE Member’s Name)

Beneficiary Account Number: (UNITE Member’s Account Number)

 

The wire transfer will process through:

Wells Fargo Bank, USA

Swift Code WFBIUS6WFFX

 

Further credit to:

NCB

139 S. High St.

Hillsboro, OH 45133

RT# 242272227

**Member account is charged a $45 fee for receipt of an international wire transfer.

If you are a UNITE Credit Union member and want to send a domestic wire transfer,*** the following information will be required to process your request:

Please note: Sender’s financial institution/wire transfer service may apply additional charges if this information is inaccurate and/or incomplete.

Beneficiary Financial Institution (FI) Name

Beneficiary FI Routing Number

Beneficiary FI Full Street Address

Beneficiary FI Account Number

Beneficiary Name: (Name of individual who will receive the wire transfer)

Full Beneficiary Street Address

Beneficiary Account Number: (Account number of recipient)

Member identity verification and contact information

 

***Member is charged a minimum fee of $25 for initiation of a domestic wire transfer.

If you are a UNITE Credit Union member and want to send an international wire transfer, the following information will be required to process your request (member will be charged a minimum fee of $45 for initiation of an international wire transfer):

Please note: Sender’s financial institution wire transfer service may apply additional charges if this information is inaccurate and/or incomplete

To send someone an international wire, you will need to provide UNITE with the following:

Receiving Financial Institution Name

Receiving FI Swift Code or International Bank Account Number (IBAN)

Full Street Address of FI

Account Number of Receiving FI (this is typically the institution’s wire account, not necessarily the account number of the individual to whom you wish to wire money)

Beneficiary’s Name (“beneficiary” is the person who will receive the wired money)

Beneficiary’s Full Street Address 

Beneficiary’s Account Number: (Account number of the person you wish to wire money)

Reason for Sending Wire Transfer (a regulatory requirement)

Member identity verification and contact information

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