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Premier Checking

Premier Checking is an account that was named Premier for a reason.  This account offers tiered interest at any balance, a one tier "bump-up" on certificates, and unlimited free bill pay.


  • Fixed service charge of $10 per month ($3 rebate with e-statements)
  • Dividends are calculated each day on your entire balance
  • Unlimited free Bill Pay (must be 18)
  • One Tier "Bump-Up" on certificates (see details below)
  • No per check fees, regardless of how many you write

Options to Waive Monthly Fee:

  • Keep a daily balance of $1000 or more
  • Use your HCU VISA Credit Card 5 times or more per month


  • 2 Free Foreign ATM transactions per month
  • Unlimited free transactions at HCU owned ATMs
  • Completely FREE Access to over 28,000 ATMs via the coop network
  • 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

Certificate tier "bump-up" details:
HCU standard Certificate rates are tiered. When you have our Premier Checking, you are entitled to bump-up your rate to the next highest tier, at certificate inception. Certificate renewals will occur at your standard tier and will not include a bump-up.

    • Bump is for one tier level increase on rate, at certificate inception only
    • Bump will not work on renewals
    • Bump is good on any number of certificates a member has on the same account number as the Premier Checking account, at inception only
    • The bump up feature is not available on HCU Certificate specials

For current certificate rates,
click here.



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