Support the United Way
When Opening a Rewards Checking Account*
Checking that Works for You
At Heartland, we provide banking solutions to make your life easier. Now we’re partnering with the United Way of Ellis County to help make lives better. When you open an HCU Checking account between now and January 31, 2024, we’ll donate $25 to the United Way of Ellis County.
We’re proud to partner with the United Way of Ellis County to celebrate 70 years of creating a brighter tomorrow in Hays and the surrounding communities. If you would like to support the United Way's efforts, open a checking account at our Hays branch.
You can also donate directly to the United Way of Ellis County on their website.
You can also donate directly to the United Way of Ellis County on their website.
With features like Early Payday, instant-issue debit cards, and low overdraft fees, our checking accounts help take the stress out of managing your finances. We’ll help you choose the checking account that makes the most of your money:
Rewards Cash Back Checking
- Totally free checking with no minimum balance
- Earn cash back when you use your debit card**
- Early Payday let you access direct deposits up to 2 days early
- Overdraft Protection to save you from unnecessary fees
- Free HCU Visa debit card
- Free transactions at over 30,000 ATMs nationwide
Rewards Dividend Checking
- Dividends paid monthly^
- Earn better interest on HCU Certificates^^
- Early Payday lets you access direct deposits up to 2 days early
- Overdraft Protection to save you from unnecessary fees
- Free HCU Visa debit card
- Free transactions at over 30,000 ATMs nationwide
Gateway Checking
- No minimum balance
- Free HCU Visa Debit Card
- Earn cash back on debit card purchases over $10**
- Access direct deposit funds up to 2 days early
- Free access to over 30,000 ATMs nationwide
- InstaCheck mobile check deposit
- Share Transfer Overdraft Protection† for the exact amount of the overdraft from your HCU savings account
- Free unlimited HCU BillPay
- Free check cashing
*Membership required. *Limited time offer, membership required. Requires new Rewards Checking account with HCU debit card, Open at our Hays location at 1825 Plaza Avenue in Hays. Account must be open 30 days. Member cannot have had HCU checking prior to November 1, 2023. Offer ends January 31, 2024.
**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. ^Annual percentage yield .05% for balances up to $2,499, .20% for balances $2,500 - $49,999 and .50% on balances of $50,000 and greater. Rates effective 5/5/2023 and are subject to change. ^^A one time Volume Tier Bump gives the member the next highest interest rate based on dollar volume of the certificate of deposit. †Whether overdrafts will be paid is discretionary and we reserve the right not to pay. We typically do not pay overdrafts if the account is not in good standing, regular deposits are not being made, or too many overdrafts are occurring on the account.
**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. ^Annual percentage yield .05% for balances up to $2,499, .20% for balances $2,500 - $49,999 and .50% on balances of $50,000 and greater. Rates effective 5/5/2023 and are subject to change. ^^A one time Volume Tier Bump gives the member the next highest interest rate based on dollar volume of the certificate of deposit. †Whether overdrafts will be paid is discretionary and we reserve the right not to pay. We typically do not pay overdrafts if the account is not in good standing, regular deposits are not being made, or too many overdrafts are occurring on the account.
