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Consumer Checking Account Comparison

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

Gateway Checking
Cost savings for those age 24 or younger

eChecking
For those who desire a "free" account, focuses on electronic statement and notice delivery

Premier Checking
Premium checking account with money market rates

Min. balance to waive fee

N/a

 N/A

$1000 or 5 monthly HCU VISA Credit Card transactions

Fee below Min.

N/a

 N/A

$10
($3 rebate with e-statements available)

Per check fee

N/A

 N/A

N/A

APY earned

No

 No

Higher rate paid on entire balance daily; Tiered at $2500, $10,000, $25,000, $50,000 and $100,000+

Free bill pay

Unlimited

Unlimited

Unlimited

Foreign ATM uses
(non HCU or CO-OP Network ATMs)

Unlimited

2 free per mo.

2 free per mo.

Free Checks

N/A

Age 50+**

Age 50+**

Notes

  • Automatic monthly foreign ATM rebate (calculated at end of month, $5 max rebate)
  • Unlimited free COOP Network & HCU ATM transactions
  • Credit Builder program available
  • $3 paper statement option
  • Unlimited free COOP Network & HCU ATM transactions

 

  • 1 Tier "Bump-Up" on new certificates
  • Unlimited Free COOP Network & HCU ATM transactions

 **Age 50+ eligible for free "50+" duplicate style checks (2 boxes/yr.) and free money orders

Still have HCU Classic checking? Click here for current terms.
Is your credit challenged? If so, then click here to check out our Stepping Stone checking account.

Standard features of consumer checking accounts:

  • Images of your canceled checks stored for you
  • Unlimited free bill pay
  • First box of checks free ($25 value, new acct.)
  • Free counter checks with account opening
  • Free HCU VISA Debit Card
  • Free online canceled check copies
  • Real Overdraft Protection available

  Plus, all HCU members receive the following benefits:

  • $300 instant credit for deposits at HCU ATMs
  • Free coin counting (non-commercial)
  • Free 24hr HCU Telephone Banking
  • Free HCU Online Banking
  • Free HCU Mobile Banking
  • Discounted signature guarantees
  • Free notary service
  • Free online related account linking
  • Personalized account naming
  • Real-time account balances and transactions