Cove Federal Credit Union is proud to now be part of UK Credit Union. To read more about the merger, and the new benefits to members, click here.
UK Credit Union offers several checking account options that are designed to meet members needs. To see all UK Credit Union Checking Accounts, visit their webpage.
All UK Credit Union Checking Accounts feature:
- No minimum balance
- Early Pay & Direct Deposit
- Complimentary Online & Mobile Banking
- Bill Pay, Mobile Deposit, and Budgeting Tools
- Access to over 90,000 ATMs at no charge
- Complimentary debit card
- eStatements available
- *Note - shared branching through Cove FCU is no longer available as we aim to protect our members from fraud.
The existing Cove FCU Checking Accounts will remain visible on the site until June 1, 2026 so that members may review their current account features and benefits.
- No Monthly Fee
- No Minimum Balance
- E-Service Suite
- ATM Deposit
- Free Coin Counter
- Free Notary Service
- Unlimited Check Writing
- No minimum monthly deposit required
- Remote Deposit Capture
Other Checking Services
- Free Coin Counter
- Free Notary Service
*A Choice Savings account with a minimum $5 balance is required to become a member and open an account. Your $5 will be returned to you should you close your membership. No monthly fee for a debit card. First card is free, additional replacement cards available at $10 per card. Go to our Choices Matter page to learn more.
Account Comparisons
| Choice Checking | Choice Plus Checking | Golden Checking* | |
|---|---|---|---|
| Minimum Opening Balance | $0 | $0 | $0 |
| Monthly Minimum Balance | No | No | No |
| Interest Bearing | No | ✔ | No |
| Online Banking/Bill Pay | ✔ | ✔ | ✔ |
| eStatements Available | ✔ | ✔ | ✔ |
| Remote Deposit Capture | ✔ | ✔ | ✔ |
| Debit Card Available | ✔ | ✔ | ✔ |
| Monthly Service Charges | No | No | No |
| Checks | ✔ | ✔ | ✔ |