MakeCents Checking
The MakeCents Checking account is a free checking account that makes paying bills and managing your day to day finances a breeze. And, it gives you the opportunity to earn five cents each time you make a purchase with your debit card. While other financial institutions may only reward you for leaving money in your account and charge you fees for using it, at NUFCU we reward members for using their account. Because that just makes cents.
MakeCents Checking Benefits
Account Features
- No minimum opening deposit or minimum balance
- No monthly service fee
- Free Online and Mobile Banking services1 including bill pay
- Free e-statements
- Free VISA® Debit Card
- Earn interest when balance is $1000 or more
- Deposit checks from your mobile device with Mobile Deposit
- PLUS, earn rewards when you use your debit card***
Earning Rewards Is Easy
Each month you meet the following qualifications, you'll earn five cents for every debit card purchase (up to 100 transactions per statement cycle)
- Opt out of receiving paper statements**
- Have ACH deposits totaling $400 or more each statement cycle**
- Have 12 debit card transactions of any amount during a statement cycle**
At the end of each month, rewards are calculated and paid to your account. Your statement will show the amount of rewards you earned for the previous month.
Your Account is Free EVERY Month
Even if you do not qualify for rewards for the month, there is no penalty or fee. Your MakeCents checking account is always free and you can get back to earning rewards the very next month that you qualify.
Your MakeCents checking account comes with many convenient additional features to help make every day money management simple and easy!
Related Features and Services
Convenient Digital Services
As a member you have access to a variety of electronic services. You can monitor and utilize your accounts and our services anytime, anywhere.
Overdraft Coverage
We understand that life happens and offer several different ways you can protect your account from returned check fees and embarrassing declines at the merchant. Visit our Overdraft Coverage page to learn about all the options available to you.
Surcharge Free ATM Network
Approximately 40,000 Free Nationwide ATMs
The University of Nebraska Federal Credit Union is a part of the MoneyPass ATM Network! This partnership gives our members free access to approximately 40,000 ATMs nationwide. You can quickly and easily locate convenient ATMs using the NUFCU Mobile Banking app or click here to access the MoneyPass Network ATM locator. University of Nebraska Federal Credit Union members can now use 100 Local ATMs in Lincoln and 16 in Kearney without incurring fees or surcharges!
You’ll also find NUFCU owned ATMs at each of our branch locations.
Savings
Whether you are saving for an emergency, a major purchase or retirement, University of Nebraska Federal Credit Union has products to help you reach your savings goals. Be sure to ask how we can help set up direct deposits and automatic transfers to make saving easy.
You have free access to your accounts using our Online Banking and Mobile App. Visit our digital banking page for more information.
Accounts are federally insured up to $250,000 by the NCUA
Savings Options
Share Savings Account
Membership starts with a $5 deposit in a Regular Share Savings account. This basic free account is designed to fill a variety of needs.
- No minimum balance.
- Minimum deposit of $5.00
- No monthly maintenance fees
- Dividends are calculated on the average daily balance
Money Market Account
A simply smarter way to save. No minimum balance, no fees.
- Open and maintain the account with as little as $2,500 to earn interest.
- No monthly maintenance fees
- Earns a higher yield than a savings account.
- Access your money any time.
- Up to six check transactions per month. (Government regulation Suspended during COVID-19)
Certificates of Deposit
Share Certificates are perfect if you desire a longer term investment with a guaranteed rate. Choose the term that fits your savings plan. Minimum of $500
- Choose 3-to-60-month Certificates
- Interest compounded and credited monthly
- Certificates automatically renew at maturity at the current rate
Penalty may be imposed for early withdrawal. A withdrawal will reduce earnings.
Individual Retirement Accounts (IRAs)
Individual Retirement Accounts (IRAs) still offer many taxpayers one of the best "shelters" for deferring taxes on some income. In addition, IRAs are an excellent savings tool for setting aside funds for your retirement years. We offer Traditional, Roth, and Educational options and both IRA Share Savings and Fixed-Term Certificates.
The Credit Union does not charge any administrative costs or fees for any of the IRA accounts. This assures that you earn the highest possible yield.
Ira Share Savings
The IRA Share Savings account is available for deposits as often as you wish in any amount (up to your contribution limit). There is no minimum deposit amount or minimum balance requirement. Many members find payroll deduction a convenient method for making deposits.
IRA Share Certificate
The IRA Share Certificate features a fixed interest rate for any term from 3 to 60 months. These high-yield certificates are ideal if you would like to make a single lump sum investment, or if you want to have the interest rate fixed for the term of the certificate. The minimum deposit for an IRA Share Certificate is just $500.
Other Services
Cashier’s Checks
Check Orders – order by calling us at 402-472-2087. Click here to view the check design catalog from our vendor.
Night Deposit
Notary Service