Do More with Your Money

A simple and convenient Share Draft (Checking Account) at UKRFCU helps you bank better. With no minimum deposit necessary, our members have access to multiple services including Free Visa Debit Card, Free Online Banking, and Free Bill Pay. Enjoy the convenience of unlimited withdrawals, deposits, and transfers. Take control of your money and open a Checking Account today.

Caption One No Maintenance Fees Caption One No Minimum Balance Requirements Caption One Free Chip-Enabled Debit Card Caption One Online & Mobile Account Access Caption One Purchase Rewards Caption One Direct Deposit Caption One ATM Access Caption One Free Starter Checks Caption One No 'Per-Check' Deposit Charges Share Draft Benefits:

0.05% APY*

*APY = Annual Percentage Yield. $0 minimum balance required on Share Draft. Effective as of 07/20/2021.

Manage Your Money on the Go!

UKRFCU - Online Banking

Online Banking

Manage your money conveniently with 24/7 access to your accounts online. Online Banking allows you to pay bills, make transfers, check balances, and much more.

UKRFCU App - mobile banking

Mobile Banking

Access your accounts safely and securely through the UKRFCU Mobile App. Manage your transactions, make transfers, and deposit checks anywhere, at anytime.

Included Services

Click on the images to learn more about each service.

In order to open a Share Draft account, you must be a member of UKRFCU. To learn more about our general membership and eligibility requirements, click below.

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Read more about UKRFCU’s Disclosures.


Financial Calculators

Calculate your future earnings with UKRFCU’s financial calculators.


In case of a forgotten/lost PIN, please call 1-866-985-2273 to set up your new PIN.

To increase your $1,000 daily spending limit, please visit a branch or call us at 215-725-4430.

To deposit a check via phone, you must first download the UKRFCU mobile app. Once you have downloaded the app, follow the instructions below:

  1. Click Check Deposit.
  2. Read and Agree to the User Agreement.
  3. Endorse check on the line by signing your name in ink.
  4. Write “UKRFCU Mobile Deposit” under the endorsement.
  5. Take a picture of your check inside the guided lines and submit for deposit.Please be advised that the monthly deposit limit is $2,500 for new members and $5,000 for members of 90 days. If you’d like to increase the limit, please contact us at 215-725-4430.

Visit a Member Service Representative at a branch location to order a new card or give us a call at 215-725-4430.

Call 1-866-985-2273 to activate your new debit card and select a PIN. Please make sure you have your debit card in front of you and last 4 digits of your SSN of primary member.