local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
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Learning financial responsibility is one of the best ways that you can prepare yourself for your future. United Bay Community Credit Union has a program designed just for you, our YOUnger member.

With our eChecking Account, you receive a debit card to use to access your checking/share draft account. With a debit card, you can make purchases wherever you see the MasterCard logo. Purchases are automatically deducted from your checking account. Your debit card can also be used as your ATM card allowing access to cash at thousands of ATMs.

Our eChecking Account offers:

  • No monthly service fee
  • No minimum balance required
  • Free access to ubay@HOME Internet Banking
  • Pay your bills with MemberPay Bill Pay
  • Free eStatements
  • Daily Limit of $200 for purchases
  • Daily Limit of $100 for ATM withdrawals

eChecking Account Requirements

To open an eChecking Account, you must have a Share/Savings Account at UBCCU and be between the age of 16 and 17.


To connect with our members by inspiring trust and providing
the financial support they need to establish roots and thrive.

Providing our members the resources
to develop strong financial roots.