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Checking Accounts
We offer an assortment of unique checking accounts, each created to offer members the flexibility to perform their various day-to-day financial needs, without paying outrageous fees!
Free Checking
Enjoy convenient access to your account and pay no monthly fees! You'll also enjoy:
- No direct deposit or minimum balance requirement
- Free ATM access at over 28,000 CO-OP Network® locations
- Free ehccu-online banking and ehccupay-bill payment
- Free eStatements
- Free in-branch and telephone transactions
- Visa® Check Card
- Free 24-hour Priority Line-Telephone Account Access
- .50% rate discount on vehicle loans with direct deposit into an HCCU checking account and automatic monthly payments
Premium Checking
Earn competitive dividends on larger balances and enjoy convenient access to your funds. Maintain a minimum daily balance of $5,000 to avoid the monthly $4 fee. Along with great dividend rates, you'll also enjoy:
- Free ATM access at over 28,000 CO-OP Network® locations
- Free ehccu-online banking and ehccupay-bill payment
- Free eStatements
- Overdraft protection available
- Free in-branch and telephone transactions
- Visa® Check Card
- Free 24-hour Priority Line-Telephone Account Access
- Fee-free traveler's cheques (single and dual user)
- One free box of HCCU image checks (per year)
- .50% rate discount on vehicle loans with direct deposit into an HCCU checking account and automatic monthly payments
2nd Chance Checking
An account designed specifically for members who may have been unable to qualify for a checking account in the past due to a ChexSystems record. For a low monthly fee, you can take advantage of the following checking features:
- Free ATM access at over 28,000 CO-OP Network® locations*
- Free ehccu-online banking and ehccupay-bill payment
- Free eStatements
- Free in-branch and telephone transactions
- Low minimum opening balance
- Visa® Check Card
- Free 24-hour Priority Line-Telephone Account Access
- .50% rate discount on vehicle loans with direct deposit into an HCCU checking account and automatic monthly payments
- Complimentary "Financial Fitness" consultation
Sole Owner Business Checking
For a low monthly fee of $12, you can take advantage of the following business checking features:
- No direct deposit or minimum balance requirement
- Free ATM access at over 28,000 CO-OP Network® locations
- Free ehccu-online banking
- Free eStatements
- Free in-branch and telephone transactions
- Overdraft protection available
- Visa® Check Card
- Unlimited check writing
- Unlimited cash and check depositing
- Fee-free single signature traveler's cheques
To open an HCCU Checking Account: Visit one of our branch locations, or call us at 916.364.1700 / 800.233.6328.
