HCU Gateway Checking

Credit Creation

A free checking account that actually pays you back! There is no minimum balance, no monthly service fee, and your first box of checks is free.  We will even pay you back for foreign ATM fees. Gateway Checking is perfect for someone just getting started with features like:

  • Free VISA Debit Card
  • Free access to over 28,000 ATMs
  • Automatic monthly foreign ATM rebate (calculated at month end; $5 max rebate)
  • Free first box of checks
  • Free Online and Mobile Banking
  • Instacheck Mobile Check Deposit available with Mobile Banking
  • Unlimited free HCU BillPay
  • Free eStatements and eAlerts via email
  • Optional Credit Builder Program available (See Credit Creation tab)

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  • Real Overdraft Protection
  • VISA Debit Card
  • 50+ Rewards Package
  • HCU Bill Pay
  • Reorder Checks

Goes well with...

  • Instacheck mobile check deposit
  • Direct Deposit
  • VISA Credit Card
  • Online & Mobile Banking
  • eStatements
  • No monthly service charge, no minimum balance
  • No dividends paid on account balance
  • No per check fees
  • Records of your canceled checks are securely stored by the credit union, freeing you from filing and storage
  • Unlimited free transactions at Heartland Credit Union and Coop Network ATMS
  • Real-time balances, all the time
  • Real Overdraft Protection included
  • Direct Deposit & Payroll Deduction available

Optional Gateway Credit Creation program

For those wanting to get their credit established; exclusively for Heartland Credit Union Gateway members.

Two options available:

  1. A loan for up to $500
    1. 2 Year repayment plan
    2. Reports monthly to credit bureaus
  2. An HCU VISA credit card with up to a $500 limit
    1. Standard terms apply
    2. Reports monthly to credit bureaus


  • Borrower must have income to show that loan can be repaid
  • Borrower does not have to have a credit score
  • Borrower can receive an additional $100 credit line, with direct deposit to their HCU savings or checking
  • For those under age 18, a co-signor with approved credit, is required
  • Contact an Heartland Credit Union representative for more details