Checking

Free Checking

Our Free Checking account provides convenient access to your funds without the big bank monthly fees or fees for branch visits. Features include:

• $25 minimum opening balance
• No direct deposit or minimum balance requirements
• Purchase Rewards: Cash back with your Visa^® Check Card
• Overdraft Protection: Read more about our Overdraft policy.
• 1 Free Overdraft Per Year (Overdraft Forgiveness)¹
• Free ATM access at over 28,000 CO-OP Network® locations - Find a CO-OP Network^® ATM
• Free 24-hour Priority Line-Telephone Account Access
• 0.50% rate discount on vehicle loans with direct deposit into an HCCU checking account and automatic monthly payments

All of our checking accounts come with a suite of FREE online services†, such as ehccu-online banking, ehccupay-bill payment, estatements, FinanceWorks, etc. Learn more.

¹One Courtesy Pay fee waived upon request per year.^†A charge may be assessed for select online services.