Personal Accounts

Personal Accounts

Opening a personal account with us is a smart choice if you’re looking for more personalized service, better rates, and a community-focused approach to banking.

Checking

If you're looking for free checking, we've got it. Our checking account includes:

  • Online Account Access
  • Bill Pay
  • E-Statements (or paper statements)
  • Visa® Debit Cards
  • Surcharge free ATM networks
  • 50 free checks
  • Unlimited check-writing privileges
  • Online check reorder
  • No minimum balance, no monthly fee
  • Dividend earnings

Sign up for direct deposit of your paycheck, pension, Social Security or any other recurring payment. We can help you make the switch to UGEFCU today.

Debit Cards

Say Hello to Tap-to-Pay Convenience!

Debit cards just got an upgrade at Utica Gas & Electric FCU!

We are thrilled to introduce contactless debit cards—a faster, safer way to pay.

Just tap your card at checkout and go. No swiping, no inserting, no hassle.

Here's the scoop:

• All renewed debit cards will now come with contactless technology.

• Want yours sooner? Request a replacement for just $10.00.

Avoid surprises by using our online banking tools to track your balance and keep a cushion in your account.

Ready to upgrade your payment experience?
Your contactless debit card will be automatically sent to you when your current card expires. Ask us for details or request an early replacement today!

Luckily, we have online banking to help you keep track of your balances. 

Ask about getting a debit card today.

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