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Enjoy Worry-Free Spending

With the UFCU ABILITY Card, you can spend only what you deposit into your account, so there’s no danger of costly overdraft or interest fees. And unlimited, 24/7 reloading capability means you’ll never be caught short.

Questions? Read our FAQs

Assess our ABILITY

At University Federal Credit Union, we don't believe in hidden charges, surprise fees, or teaser rates. Compare the ABILITY Card with other major cards:

UFCU Bank A Bank B Bank C Bank D
Monthly Maintenance Fee $5 $5.95 $4.95 $5 to $9.95 $3
Initial Load Amount $25 $10 $25 $0 $0
Reload Fee $0 $4.95 $0 $3.95 $3
Reload Limit No Limit $2,500 No Limit No Limit $1,100
Daily Spend Limit $2,000 $2,500 $3,000 $4,999 $3,000
Daily ATM Withdrawal Limit $1,000 $400 $500 $500 $400
Bill Pay FREE n/a n/a FREE n/a
Mobile Banking FREE n/a FREE FREE n/a
Mobile Deposit FREE n/a FREE n/a n/a
ATM Deposits FREE n/a FREE n/a n/a

More information and support statistics found on Nerd Wallet.

Branch Out with Online Banking

View your account balance, reload your card and pay bills for free, 24/7.

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What’s your cash flow?

This Cash Flow Analysis form can help you compare your income to your expenses and enable you to develop a reasonable budgeting plan.

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