UTX Checking - ALLIANCE Credit Union

Legacy UTX

Checking accounts

Ultimate Checking & Emeritus Checking accounts will remain unaffected.

Other checking account types will transfer into a FREE ALLIANCE Checking account.

*Emeritus Checking accounts are Legacy Accounts- No new Emeritus accounts will be opened*

Alliance Checking

Start with confidence and flexibility at your side. Our ALLIANCE Checking account offers a seamless banking experience where you’re in control and your money works for you.

Account features

Free Instant Issue Visa debit card
Free Mobile Deposit Capture
Free Bill Pay
No Monthly Service Fee
Credit Score Requirement of 561+
Free Online & Mobile Banking let you tap into your account 24/7
Low $50 minimum opening deposit

Set up your account today and let your banking work as hard as you do.

Courtesy Pay Service Changes:

Direct Deposit Required
Up to $1,000.00 coverage
$24 Fee Per Item | Fee waived for overdrafts under $16

Ultimate Checking

Your Ultimate Checking and Econocheck accounts are coming over as is.

Your Ultimate Checking account benefits are:

Earn 0.5% cash back on all signature-based debit card transactions with no caps or minimums. Rewards are paid automatically, every month.
Online Banking
Online Bill Pay
Instant Issue Debit Visa®
Apple Pay, Google Pay, or Samsung Pay Mobile Wallets
Real-Time Card Fraud Protection
Qualifying members have up to $750 of Overdraft Privilege
Overdraft Protection via a Savings, Line of Credit, or Visa credit card
E-Statements
Mobile Banking app with Mobile Check Deposit
Access a surcharge- free access to almost 30,000 ATMs nationwide through the CO-OP Network
Identity theft protection with credit file monitoring: Help better protect yourself and your joint account holder with our IDProtect® identity theft monitoring and resolution service¹, that includes credit file monitoring, access to credit report and scores ^2,4 monitoring of over 1,000 databases, identity theft expense reimbursement³, fully managed resolution services, and more.
Protection from the unexpected: Receive up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance.³

Cellular Telephone Protection ³: Receive up to $400 of replacement or repair cost. (Cellular telephone bill must be paid using your Ultimate Checking account or a credit card issued by ALLIANCE Credit Union.)
Debit Advantage®: Receive Buyer’s Protection ³ & Extended Warranty ³ for items purchased with this account. (Item(s) must be purchased entirely with this account for coverage.)
RideShare Protection³: Coverage while traveling in a vehicle operated by a Transportation Network Company. Not Available to Residents of MO, NY, and WA.
Roadside Assistance Service³: 24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two reimbursement claims per twelve-month period.
Health Discount Savings: Enjoy savings on vision, dental services, and prescriptions. This is NOT insurance. (registration/activation required)
$hopping RewardsTM: Earn cash rewards when you shop online at dozens of your favorite retailers. (registration/activation required; available online only)
Travel and Leisure Discounts: Save big with deep discounts at thousands of local and national businesses. (available online only)

Disclosures

Ruby Level – $6.00 Monthly Fee. Please review below for ways to reduce or waive your monthly fee.

Sapphire Level – $4.00 Monthly Fee
To reach the Sapphire level, you must have an “Active” Checking Account with 15 or more signature-based debit card transactions each month OR at least $15,000 in combined loan and/or deposit balances. You must also meet one of the qualifications listed below: