APY

0.10%

As of Nov 8, 2026. Rates are variable.

University Of Wisconsin · Checking account

University Of Wisconsin Rewards Checking

$2 a year for an everyday customer. No monthly fee. No minimum to open.

Checked Nov 8, 2026Updated

A year, everyday customer
$2
APY
Monthly fee
To open

Against the market

How it ranks

#34of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • Bill pay
  • Card lock
  • Contactless card
  • Custom card design
  • Debit card
  • Early direct deposit
  • Interest bearing
  • Mobile check deposit
  • Mobile wallet
  • No minimum balance
  • Online opening
  • Overdraft protection transfer
  • Spending alerts
  • Zelle

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Rate conditions

Balance needed for the APY
$1,000uwcu.org, checked Nov 8, 2026
To earn the APY
minimum balance required to earn the stated APYuwcu.org, checked Nov 8, 2026
Interest compounds
Monthlyuwcu.org, checked Nov 8, 2026

Fees

Monthly fee
Noneuwcu.org, checked Nov 8, 2026
Ways to avoid the monthly fee
$1,000.00uwcu.org, checked Nov 8, 2026
Minimum to open
Noneuwcu.org, checked Nov 8, 2026
Overdraft fee
$5uwcu.org, checked Nov 8, 2026
Returned item (NSF) fee
Noneuwcu.org, checked Nov 8, 2026
Overdraft transfer fee
$5uwcu.org, checked Nov 8, 2026
Most overdraft fees in a day
1uwcu.org, checked Nov 8, 2026
Out-of-network ATM fee
Noneuwcu.org, checked Nov 8, 2026
Incoming domestic wire
$15uwcu.org, checked Nov 8, 2026
Outgoing domestic wire
$20uwcu.org, checked Nov 8, 2026
Paper statements
$2 a monthuwcu.org, checked Nov 8, 2026
Cashier’s check
$4uwcu.org, checked Nov 8, 2026
Stop payment
$29uwcu.org, checked Nov 8, 2026
Card replacement
$5uwcu.org, checked Nov 8, 2026

Who can open it

Membership
Membership required:
  • If you live, work or go to school within 5 miles of a branch location
  • Are a Wisconsin resident who has attended an accredited higher education institution anywhere
uwcu.org, checked Nov 8, 2026
Minimum age
10uwcu.org, checked Nov 8, 2026

Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees

See it on uwcu.org

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