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Compare Checking Accounts

iProfit Checking Worry-Free Checking
(with IDProtect)
Simply Checking Teen Checking
Recommended for members who want Convenient access to your funds with NO monthly fees. Plus, this free account rewards you with a great dividend rate and ATM fee reimbursement2. Convenient access to their funds with the added security of IDProtect®3 (identity theft protection). Convenient access to their money with low or no monthly service fees, direct deposit, or minimum balance requirements. Simple, flexible checking account for teens seeking to learn how to manage their money.
(Identity Theft Protection)
N/A Yes N/A N/A
Minimum Opening Deposit $25 $25 $25 $25
Earns Dividends Yes2 view rates No No No
Monthly Service Charge N/A $4.95 $2
(waived with eStatements)
(waived with eStatements)
Overdraft Protection with Courtesy Pay† Eligible Eligible Eligible N/A
Visa® Check Card with Purchase Rewards Yes Yes Yes Yes
ATM Fee Reimbursement Yes2 ($15 maximum, must meet requirements) N/A N/A N/A
1 Free Overdraft per Year (Overdraft Forgiveness)1 N/A Yes Yes N/A
FREE Online Services, including Bill Payment, estatements, FinanceWorks Yes Yes Yes Yes
FREE Mobile eBanking Yes Yes Yes Yes
Unlimited Check Writing Yes Yes Yes Yes

1One Courtesy Pay fee waived upon request per year.

2iProfit Checking Requirements to receive Qualifying Dividend Rate and ATM Fee Reimbursement: Direct Deposit of $500, enrollment in eStatements, must access account through ehccu-online banking, Mobile eBanking or text banking at least once a month and conduct at least 12 posted Visa Debit Card POS or PIN based merchant transactions (does not include ATM Transactions) see full iProfit Checking Disclosure.

3Registration/Activation Required. IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a “signer” on the account who is not an account owner. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

Member opt-in is required to cover ATM/debit transactions.

eHCCU-Online Banking
Account Access Security

NCUA Equal Housing Lender Verisign Privacy and Security

HCCU NMLS#454785