HCU Checking Accounts

A variety of checking accounts, from free to interest bearing. We offer value-oriented, no gimmick, integrated accounts that form the core of your financial toolset.

Orange-DoteChecking   Orange-DotPremier Checking   Orange-DotGateway Checking   Orange-DotStepping Stone Checking   Orange-DotUnChecking

Choose the checking you'd like to compare:

  eChecking Premier Checking Gateway Checking Stepping Stone Checking unChecking

Created for members who prefer a "free" account

Money market rates with options to waive the service fee

Value for those age 24 and younger

An account for the credit challenged

A savings account with a debit card

  Learn More Learn More Learn More Learn More Learn More
Monthly service fee No $10 (can be waived*)  No $12 $6
Dividends paid No Tiered, money market rates No No Yes
Paper statement fee  $3 No  No No No
Foreign ATM transactions  2 Free  2 Free Unlimited Free 2 Free 0 Free
Foreign ATM surcharge rebate No No Yes ($5 max mo) No No
Monthly per-check fees No No No $1 per check (10 free) N/a
Age limitation No No  Age 24 & under No No
Tier bump on Certificates No  Yes*** No No No
Real Overdraft Protection Yes Yes Yes  Limited No
Limited account No No No Limitations apply No
Credit creation program No No Yes No No


ALL HCU VISA checking accounts (except Stepping Stone) feature:
  • Instantly Issued Free HCU VISA Debit Card
  • Free counter checks with account opening
  • First box of checks free (up to $25)
  • Unlimited free bill pay
  • Free checks for age 50+
  • Unlimited free transactions at HCU and CO-OP Network ATMs
  • $500 instant credit for deposits at HCU ATMs
  • Images of your canceled checks are stored for you
Forms and steps to ease the move
  Real Overdraft Protection
A suite of products to protect your account
  $1,000 ZERO% interest transition loan**
90 days no interest, with approved credit
  Credit Creation Program****
A great way for young people to build their credit


*Options to Waive Monthly Premier Checking Fee -Keep a daily balance of $1000 or more OR use your HCU VISA Credit or Debit Card 5 times or more per month **90 day zero interest transition loan for qualified borrowers under standard credit approval. Regular lending rate for tier will go into effect at 91 days if loan is not repaid in full. ***Heartland Credit Union 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. See an Heartland Credit Union representative for details. ****See HCU loan officer for complete details on Credit Creation program. Standard lending approval applicable for ROP. Heartland Credit Union membership required for any product/service listed.