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Gateway Checking

Open a new HCU checking account and your first box of checks is free (up to $25 retail value). We also offer the companion Gateway Savings Account.


  • No monthly service charge. No minimum balance
  • No per-check fees
  • Automatic monthly foreign ATM rebate (calculated at end of month; $5 max rebate)
  • Unlimited free consumer Bill Pay (must be 18)
  • Credit Builder Program Available (See below)
  • No dividends paid


  • We offer value priced checks, available in a variety of colors and patterns
  • Records of your canceled checks are securely stored by the credit union, freeing you from filing and storage
  • Unlimited free transactions at HCU and COOP Network ATMS 
  • No-fee VISA® debit card
  • Real-time balances, all the time
  • Real Overdraft Protection included
  • Direct Deposit & Payroll Deduction available
  • Free eStatements with e-mail notification
  • Free online check copies and statement copies
  • Free HCU Online Banking
  • Free HCU Mobile Banking with Instacheck™ smartphone deposit

Credit Builder Program (Contact HCU Representative for details):

  • Two Options Available:
    1.  A loan for up to $500 to secure a credit card
      • 2 Year repayment plan
      • Reports monthly to credit bureaus
    2.  A secured credit card
  • Must prove loan can be repaid
  • Do not have to have a credit score
  • Can receive an extra $100 credit line with direct deposit

Switching to HCU Checking is easy! Click here to learn more.