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Beyond Ultimate Spending Account

An account that has your back. Wherever you go.

Trip cancellation protection. 24/7 roadside assistance. Built right into your Beyond Ultimate account — no extra apps, no extra fees.

Open a Beyond Spending account

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Member-owned. Not-for-profit.

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Fast online account opening.

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30,000+ free ATMs nationwide.

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Earn 2.02% APY* on your balance.

Plans change. Your money shouldn't have to disappear with them.

Trip cancellation and interruption coverage comes built into every Beyond Ultimate account. If your trip gets canceled or cut short — and you paid for it with your account — you're covered.

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Trip cancellation coverage

If you can't travel due to illness, a family emergency, or other covered reasons, you can be reimbursed for prepaid, non-refundable expenses.

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Trip interruption coverage

If your trip gets cut short after it starts, you may be reimbursed for the unused portion and any costs to get home.

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Applies when you pay with your account

Simply use your Beyond Ultimate account to purchase travel — and the coverage is automatically in place.

Open your account

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Trip Cancellation & Interruption

Covered when you pay with your Beyond Ultimate account. No separate enrollment. No separate policy.

$0

Extra cost to you

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Activates when you pay with your account

Stuck on the side of the road? We've got you covered.

Roadside emergencies don't happen on a schedule. That's why 24/7 roadside assistance is included with every Beyond Ultimate account — no extra membership required.

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Emergency fuel delivery

Running on empty doesn't have to mean sitting on the side of the highway waiting for help.

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Flat tire assistance

Get help swapping to your spare quickly so you can get back on your way.

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Jump starts & lockout service

Dead battery or locked keys? Covered. Up to $80 per service call.

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Towing assistance

When your vehicle can't be fixed on the spot, towing assistance helps get it — and you — where you need to go.

Open your account today

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24/7 Roadside Assistance

Help when you need it — day or night, wherever the road takes you in Kansas or beyond.

24/7

Coverage, any day of the year

$80

Per covered service call

Why it matters

When plans go sideways, Beyond Ultimate has an answer.

These are the kinds of situations your account was built for.

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You come down with the flu two days before your flight.

You paid for the trip with your Beyond Ultimate account. You've got prepaid hotel nights, event tickets, and a non-refundable flight.

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Trip cancellation coverage can help you recover those non-refundable costs.

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A family emergency calls you home mid-trip.

You're three days into a week-long trip and need to get back. You've got unused hotel nights and a change fee on your return flight.

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Trip interruption coverage may reimburse unused expenses and extra costs to return home.

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Your battery dies in a parking lot — on a Sunday night.

You're stranded, it's dark, and you don't know anyone nearby who can help with jumper cables.

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24/7 roadside assistance sends help — covered up to $80, any time of day or night.

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You lock your keys in the car before a long drive.

It's the middle of the day and you're in an unfamiliar town. Locksmith fees add up fast.

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Roadside lockout service is included — no scrambling to find or pay for a locksmith on your own.

account_balance_walletThis isn't a travel card or an add-on membership. It's your everyday spending account.

Beyond Ultimate gives you trip cancellation protection and roadside assistance as part of a full-featured account — one that also earns 2.02% APY*, protects your phone, and comes with early payday, local discounts, and more.

Open a Beyond Spending account

Beyond Ultimate is packed — these two benefits are just the start.

Every perk is built into the account. No separate memberships. No hidden activation fees. Learn more about Beyond.

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Trip Cancellation & Interruption

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24/7 Roadside Assistance

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2.02% APY* on your balance

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Cell Phone Protection

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ID Theft Aid + Credit Monitoring

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Shop Local, Save Local

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Buyer's Protection & Extended Warranty

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Pet Insurance

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Health Savings Card

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Billshark Bill Negotiation

Have an HCU representative contact you about a Beyond Spending account.

Or call 800.428.8472 to speak to a member of our team.

You can always stop by one of our 9 branches in Hutchinson, Haven, Hays, Ness City, Newton, or Wichita, Kansas.

*Membership Required. 2.00% with an Annual Percentage yield of 2.02% on balances from $0 to $5,000, .35% with an APY of .35% on balances from $5,000.01 to $10,000, .20% with an APY of .20% on balances from $10,000.01 to $25,000, and .10% with an APY of .10% on balances greater than $25,000 for the current dividend period. ¹Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals. ²Subject to the terms and conditions detailed in the Guide to Benefits. ³Insurance products are: NOT A DEPOSIT. NOT NCUA-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE CREDIT UNION. ⁴Requires activation.