Checking Accounts
Open your account

Checking accounts designed for your lifestyle!

Most big banks are adding fees to their checking accounts—even to their so-called “free checking” accounts. At URW Community Federal, checking accounts are truly free. What do you need in a checking account? URW Community Federal has a variety of checking options to fit your needs. URW also offers VISA Debit Cards that can be used at any ATM of wherever VISA Debit cards are accepted. Plus, take advantage of FREE home banking, bill pay, mobile banking and sms text banking! 

Account Features Fees*

Absolutely Free


  • For members 18 and older
  • No minimum balance
  • Free VISA Debit Card
No monthly fee

Golden Prestige


  • For members 62 and older
  • No minimum balance
  • First box of checks free
  • Free long-range and retirement planning
  • Free Notary Service
$5 monthly fee, but waived if minimum balance is $500 or greater

New Generation Checking


  • For members 13-17
  • No minimum Balance
  • Free School Spirit Debit Card
No monthly fee

Visit here for more information on our free checking.

Managing your accounts shouldn't interfere with your busy life. That's why all of our checking accounts offer you a variety of conveniences. You can make withdrawals using ATMs, Teller TalkNetBranch or at any URW Community Federal branch. And you can make deposits through Direct Deposit, through the mail, at specified ATMs, or a branch. In fact, accessing your money has never been easier.

And to keep your checking accounts easy on your wallet, we'll deliver FREE monthly statements to your mailbox or in-box to help facilitate account balancing. FREE copies of canceled checks are also available on NetBranch.

Open a URW Community Federal Checking Account
  • Visit one of our branches.
  • Call 434.793.1278 or 866-URW-MFCU (outside the area).
  • Not a member of URW Community Federal? Join now!

*Please refer to our fee schedule for full disclosure of costs and charges. See our updated rates page

for rate details. To read these PDF documents , you will need Adobe® Reader® installed on your computer. Download Adobe Reader for free.

Federal Insurance

As a URW Community Federal member, the money you have at Your Credit Union is safe. It is insured by the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund (NCUSIF).

The NCUA is backed by the full faith and credit of the U.S. government, and it insures checking and savings deposits in federal Credit Unions. Share insurance coverage protects members against losses if a federally insured credit union should fail. Failures are rare because only Credit Unions with sound standards qualify for NCUSIF coverage. No taxpayer dollars have ever been used to "bail out" a credit union.
To learn more about the NCUA and what it means to you, take a look at this video of financial journalist Jane Bryant Quinn.

NCUSIF insures savings to at least $250,000 per depositor with additional coverage of up to $250,000 for certain retirement accounts. You can use the NCUA Share Insurance Estimator or en Español to determine your insurance coverage.

For more information on NCUA insurance, please review the NCUA Share Insurance FAQs

Contact URW Community Federal if you have questions concerning URW Community Federal’s safety and soundness or share insurance coverage.

539 Arnett Boulevard
Danville, VA 24540

314 Lowes Drive
Danville, VA 24540

1901 Goodyear Boulevard
Danville, VA 24541

142 South Main Street
Danville, VA 24541

701 Broad Street
Danville, VA 24541

230 South Ridge Street
Danville, VA 24541

228 Cleveland Street
Danville, VA 24540

13701 US Highway 29, Suite I
Chatham, VA 24531

4018 Halifax Road
South Boston, VA 24592

1 High School Circle
South Boston, VA 24592

796 Commonwealth Boulevard
Martinsville, VA 24112

1092 NC Highway 86 N
Yanceyville, NC 27379

URW Routing Number: 251480482

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