Free to Be Rewarded.

No service fees and cash back with every debit purchase of $10 or more.

Rewards Cash Back Checking

We make managing your money easy and free with a Rewards Cash Back checking account.  You’ll earn cash back when you use your debit card, plus, there’s no monthly fee and no minimum balance. It’s everything you want in a checking account, and nothing you don’t.

Earn cash back when you use your debit card on purchases over $10*. Money is deposited right back into your checking account.
Early payday lets you access your direct deposit funds up to 2 days early, allowing you to stay ahead of the budgeting game.
A financial safety net with low fees that won’t break the bank, included with every HCU Rewards Cash Back checking account.
This image for Image Layouts addon

Rewards Cash Back Checking Features

  • Earn a $200 bonus when you open your Rewards Cash Back Checking account*
  • Totally free checking with no minimum balance
  • Earn cash back when you use your debit card on purchases over $10**
  • Early payday lets you access your direct deposit funds up to 2 days early
  • Overdraft Protection to save you from unnecessary fees
  • Free first box of checks
  • Free unlimited Bill Pay
  • Unlimited free transactions at HCU and CO-OP Network ATMs
  • $500 instant credit for deposits at HCU ATMs
  • Checking account transition loan: $1,000, 0% APR loan for 90 days to get everything situated comfortably
  • Free HCU Visa debit card
OPEN AN ACCOUNT
Federally insured by NCUA. *Membership required. Based on approval. Applies to new HCU Rewards Cash Back Checking accounts opened from July 25 to September 9, 2022. Requires a debit card, eStatements, and 15 debit card transactions each month for the first two full calendar months the account is open. Bonus will be paid on the last day of the second full month. Account must be open at time of payment. Member cannot have HCU checking prior to July 1, 2022. **Earn $.05 cash back for every debit card transaction over $10. Must use your debit card 15 times per month and have eStatements to earn cash back. Maximum cash back amount is $5 per month.