HCU Premier Checking Account


"Our members earn 2x the interest with Premier Checking^"

Premier Checking provides value and benefits that you didn't know you wanted. Premier Checking pays you interest on any balance...these interest rates are better than most of our competition's savings account interest rates. Premier Checking also gives you a 1-tier "bump-up" on certificates; the extra interest adds up and can be significant.

Premier Checking is also packed with other features, including the following:

  • Making quick and secure purchases just got easier with HCU Mobile Wallets;(Apple Pay, Android Pay and Samsung Pay)
  • Debit cards (with EMV technology) are issued instantly at a branch.
  • Free online banking, mobile banking (our app is top-notch), mobile check deposit and online Bill Pay.
  • Checking transition loan: $1,000, 0% APR loan for 90 days to get everything situated comfortably.*
  • Free access to over 30,000 ATMs. Click here to find the nearest free ATM.
  • Free first box of checks

Consolidate all your accounts to HCU for a simple and convenient banking experience. Try one of the three easy ways listed below.

  1. Open Premier Checking through HCU online banking
  2. Visit your nearest branch to open Premier Checking.
  3. Open Premier Checking by phone: Call our local, full-service Phone Center at 800.428.8472

*90 days zero interest transition loan for qualified borrowers under standard credit approval. The regular lending rate for tier will go into effect at 91 days if the loan is not repaid in full.

^Average earnings compared to local banks, based on CUNA Membership Benefits Report, September 2017. Actual return based on account balance. Visit, for more information.

compare iconCompare our checking accounts; switch iconSwitching to HCU Checking is easy!


  • 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
  • $3 rebate on any monthly fees incurred, with eStatements
  • First box of checks free
  • Unlimited check writing
  • Dividends are calculated each day on your entire balance
  • Waive the monthly checking fee by keeping a daily balance of $1000 or more OR use your HCU VISA Credit or Debit Card 5 times or more per month
  • 2 Free Foreign ATM transactions per month
  • Real-time balances, all the time
  • Real Overdraft Protection included
  • Direct Deposit & Payroll Deduction available
  • Free eStatements with e-mail notification
  • Free online check copies and statement copies
  • Rates subject to change daily

Certificate tier "bump-up" details:

  • 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.
  • Bump is for one tier level increase on rate, at certificate inception only
  • Bump will not work on renewals
  • Bump is good on any number of certificates a member has on the same account number as the Premier Checking account, at inception only
  • The bump up feature is not available on Heartland Credit Union Certificate specials