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PHONE: (925) 447-5001
ROUTING #: 321173072
FRAUD CENTER

You've Got This!

You've Got This!

Student Checking makes managing you money simple and totally yours. We can help you spend, save and make smart money moves.

Student Checking makes managing your money simple and totally yours. We can help you spend, save and make smart money moves.

Our Student Checking Account and Debit Card1 gives you the tools to pay friends and keep up with everyday life:

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Earn up to $50 in monthly rewards! That's up to $600 a year!*

UNCLE's Membership Rewards Program is designed to reward our members for activities such as deposit balances, loans, use of digital services, and debit/credit cards transactions. Opening a Student Checking Account lets you automatically begin qualifying for UNCLE's Membership Rewards Program.

Additional features of Student Checking:

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✓ No minimum balance fees

✓ No minimum deposit to open

✓ Free checking account and debit card

✓ Free Online/Mobile Banking and eStatements

✓ Access to 30,000 fee-free ATMs nationwide

✓ Made specifically for students ages 16 to 24

✓ No minimum balance fees
✓ No minimum deposit to open
✓ Free checking account and debit card
✓ Free Mobile Banking and eStatements
✓ Access to 30,000 fee-free ATMs nationwide
✓ Made specifically for students ages 16 to 24

1. To open a Student Checking Account, a Primary Savings account with a minimum balance of $5.00 is required. Student Checking Accounts is available to teens and young adults aged 16 to 24. Individual applicants aged 16 and 17 and all applicants over age 18 must affirm student status at a high school, college, university, or trade school to be eligible.
*MEMBERSHIP REWARDS PROGRAM: ELIGIBILITY & RESTRICTIONS
As of September 30, 2024
Eligibility to receive any program rewards, including monthly cash back, requires an active membership account with a Primary Savings account and minimum balance of $5.00. Membership restrictions may apply. Account approval, conditions, qualifications, limits, time frames, enrollments, logins, and other requirements apply. Limit of 1 reward per membership number, per month. If you close your UNCLE membership, you will forfeit any monthly rewards that have not yet been credited to your account.
Eligibility is determined based on monthly qualifying activity, per membership number. Required balances, transactions, and enrollments must be present on a single membership number to receive rewards. Eligibility criteria will not be aggregated from multiple membership numbers. Multiple membership accounts which meet all eligibility requirements per membership number can earn a monthly reward on more than one membership account.
Each Monthly Qualification Cycle is calculated on the last day of the month based on balances, transaction activity, and required enrollments. A delinquency of 60 days or greater on any loan with UNCLE Credit Union during a Monthly Qualification Cycle will disqualify a membership account from earning rewards. Loans must be brought current in future eligibility cycles, along with meeting other eligibility requirements, to earn a future reward. The Membership Rewards program and benefits are subject to change at any time. For more information on the UNCLE Membership Rewards Program disclosure and qualifications, please visit this webpage.
UNCLE Logo - Dark Grey
2100 Las Positas Court
Livermore, CA 94551
(925) 447-5001
Routing # 321173072

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS ID 729232.
Rates shown are current as of November 12th, 2026

Uncle Credit Union BBB Business Review