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Checking

Compare Checking Accounts

Worry-Free Checking
(with IDProtect)
Simply Checking Worry-Free Premium Checking
(with IDProtect)
Premium Checking 2nd Chance Checking
(restrictions apply)
Teen Checking
Recommended for members who want Convenient access to your funds with the added security of identity theft protection. Convenient access to their money with low or no monthly service fees, direct deposit, or minimum balance requirements. Competitive dividends on larger balances with the added security of identity theft protection. Competitive dividends on larger balances, added member benefits, and convenient access to their money. A fresh start due to a previous Chex-Systems record and convenient access to their money with a Visa debit card. Simple, flexible checking account for teens seeking to learn how to manage their money.
IDProtect
(Identity Theft Protection)
Yes N/A Yes N/A N/A N/A
Minimum Opening Deposit $25 $25 $5,000 $5,000 $25 $25
Earns Dividends No No Yes Yes No No
Monthly Service Charge $4.95 $2
(waived with eStatements)
$4.95
(plus $5 if balance falls below $5,000)
$5
(if balance falls below $5,000)
$12 $2
(waived with eStatements)
Overdraft Protection with Courtesy Pay† Eligible Eligible Eligible Eligible N/A N/A
Visa® Check Card with Purchase Rewards Yes Yes Yes Yes Yes Yes
Free Checks N/A N/A 1 Free Box of HCCU Image Checks per year 1 Free Box of HCCU Image Checks per year N/A N/A
1 Free Overdraft per Year (Overdraft Forgiveness)2 Yes Yes Yes Yes N/A N/A
FREE Online Services, including Bill Payment, estatements, FinanceWorks Yes Yes Yes Yes Yes Yes
FREE Mobile eBanking & Text Banking Access Yes Yes Yes Yes Yes Yes
Unlimited Check Writing Yes Yes Yes Yes Yes Yes

1Other financial institutions may impose a surcharge.

2One Courtesy Pay fee waived upon request per year.

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

eHCCU-Online Banking
Account Access Security

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