Ultra Checking

Earn $1,000+ every year from your everyday checking account

With Ultra Checking, it all adds up.

In addition to the dividends (also known as interest) paid on your balance, you can earn up to $500 per year in Cash Back on debit card purchases, redeemable in uChoose Rewards through Online Banking or the Mobile App.

Plus, get up to $20 per month in refunds for surcharge fees at ATMs outside of The Atlantic's network of more than 40,000 ATMs nationwide through the MoneyPass^® network.

Simply maintain a minimum balance of $1,000 or receive a direct deposit of at least $750 into the account during the statement cycle to waive the $15 monthly maintenance fee. There is a $1,000 minimum deposit required to open an Ultra Checking account.

Apply to Go Ultra Checking

Direct Deposit & Payroll Deduction

Once you’ve established your Ultra Checking Account, it’s easy to set up Direct Deposit & Payroll Deduction. Social Security, payroll, pension, stock dividends and expense reimbursements are all eligible for direct deposit.

For your convenience, download the Direct Deposit Authorization Form and submit it to your Human Resources department.

Questions?

Visit a branch or call us at 908.245.1750.

Ultra Checking Rates

Community Banking At Its Best

The Atlantic Federal Credit Union offers many of the same services as a bank, often with better rates and lower costs. As a not-for-profit financial cooperative, our only priority is meeting the needs of our Members. We pride ourselves on delivering personalized service backed by the latest in digital banking technology so you can bank whenever and wherever is most convenient for you. Plus, we exclusively serve Essex and Union counties in New Jersey, which means your hard-earned deposits are kept secure locally and loans are serviced locally.

Not Yet a Member?

Join The Atlantic Today!

Apply today to unlock all of the Membership benefits at The Atlantic, including great rates, low fees, access to the latest in online and mobile banking technology, and much more.

Who is Eligible for Membership?

Membership is available to anyone who lives, works, worships, attends school or regularly does business in Union or Essex counties in New Jersey. Businesses and legal entities in Essex or Union counties are also eligible.

Immediate family members of existing members, including your spouse, children, siblings, parents, grandparents, grandchildren, stepchildren, stepparents, stepsiblings and adopted children, are also eligible for Membership. Non-related individuals living in the same household can also qualify.

Not sure if you are eligible? Call us at 908.245.1750.

Join Now to become a member of Atlantic FCU