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eChecking is offered with no monthly fee. Open a new HCU checking account and your first box of checks is free (up to a $25 retail value). A debit card is optional, but is an essential part of fully utilizing this account. This is a complete checking plan featuring:


  • No monthly service charge, no minimum balance
  • No paper statements or notices ($3 per month paper statement option available) 
  • Does not pay dividends
  • No Per Check Fees
  • Unlimited Free Bill Pay (must be 18)


  • 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 (2 free/month at foreign ATMs)
  • Free Plus style checks for those age 50+ (2 boxes/year)
  • 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


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