Checking
Compare Checking Accounts
| Free Checking | Premium Checking | 2nd Chance Checking (restrictions apply) |
Teen Checking | Business Checking | |
| Recommended for members who want | Convenient access to their money with no monthly service fees, direct deposit, or minimum balance requirements. | Competitive dividends on larger balances, added member benefits, and convenient access to their money. | A fresh start due to a previous ChexSystems record and convenient access to their money with a Visa debit card. | A low-cost checking account for teens seeking to learn how to manage their money. | Simple, flexible checking for business owners with no minimum balance or direct deposit requirements. |
| Minimum Opening Deposit | $25 | $5,000 | $25 | $25 | $100 |
| Earns Dividends | No | Yes | No | No | No |
| Monthly Service Charge | FREE! | $4 (if balance falls below $5,000) |
$12 | FREE2 (restrictions apply) |
$12 |
| FREE CO-OP/HCCU ATM Access1 |
FREE! | FREE! | FREE! | FREE! | FREE! |
| Overdraft Protection with Courtesy Pay† | Eligible | Eligible | N/A | N/A | Eligible |
| Visa® Check Card with Purchase Rewards | Yes | Yes | Yes | Yes | Yes |
| Free Checks | N/A | 1 FREE Box of HCCU Image Checks per year |
N/A | N/A | N/A |
| 1 Free Overdraft Per Year (Overdraft Forgiveness)3 | Yes | Yes | N/A | N/A | N/A |
| No Fee Travelers Cheques | N/A | Single & Dual Signature Cheques | N/A | N/A | N/A |
| Merchant Services | N/A | N/A | N/A | N/A | Yes |
| FREE Online Services, including Bill Payment, eStatements, FinanceWorks | Yes | Yes | Yes | Yes | Yes |
| Online Funds Transfer Access | Yes | Yes | Yes | Yes | Yes |
| FREE Mobile eBanking & Text Banking Access | Yes | Yes | Yes | Yes | Yes |
| Unlimited Check Writing | Yes | Yes | Yes | Yes | Yes |
1Other financial institutions may impose a surcharge.
2$2 monthly fee for paper statements.
3One Courtesy Pay fee waived upon request per year.
†Member opt-in is required to cover ATM/debit transactions.
