Open a Checking Account. Get a Team You Can Count On.
Build a financial future that works for you with expert guidance and tools to help you move forwards with confidence. Open your account now and get extra cash. Offers expires 12/21/26.
Received an Invitation? It's Easy to Earn Your $500 Bonus:
Complete these three steps and we'll reward you for making the switch.
Open your first Classic or Premier Checking Account
Enroll in Online Banking and eStatements
Receive $1,500 in direct deposits
Choose a Checking Account Designed for How You Live
Classic Checking
Simple, reliable, and built for everyday banking.
This account offers no monthly maintenance fee, Internet Banking and Mobile Banking, Bill Pay, a Visa® Debit Card with rewards, and interest on your balance—all with the personal service you deserve.
Premier Checking
Designed for higher performance and rewards.
Get everything in Classic Checking, plus enhanced benefits and perks. Enjoy exclusive loan discounts, extra rewards, and more. It’s ideal for people who want more from their banking.
How to Qualify and Earn Your $500 Bonus
Make Sure You Are Eligible
This offer is available to individuals who receive a direct invitation. Additionally:
- Membership is required
- You must be 18+ and reside in the household
- Open a new HVCU Classic or Premier Checking Account
- Receive approval for the account
Existing HVCU personal members are not eligible. Limit one bonus per individual.
Enroll in Online Banking & eStatements
Online Banking makes it easy to stay on top of your finances. Check balances, monitor transactions, set up account alerts, and manage your accounts whenever it’s convenient for you.
To earn your bonus, you’ll need to sign up for Internet Banking or Mobile Banking and turn on eStatements within 90 days of opening your account.
Download Our App
Need help? Our branch team can walk you through the process and answer any questions along the way.
Fund Your Account
Make qualifying direct deposits of at least $1,500 into your new Classic Checking or Premier Checking Account within 90 days of account opening.
What Counts: A qualifying direct deposit is a regular payment you receive each month, like your paycheck or Social Security, that is sent to your account by your employer or another payer using your account and routing numbers.
What Doesn’t Count: Your initial deposit to open the account, deposits made at a branch or ATM, wire transfers, transfers from another account (including debit card or credit card transfers), or transfers made through online or mobile banking.
Frequently Asked Questions
Individuals and all members of the household (18+) who receive a direct invitation sent to their residential address.
The offer expires on December 21, 2026.
Yes, the offer is limited to one cash bonus per member.
Once you determine which checking account is a good fit, you can establish membership and open an account online, in-branch, or over the phone with our contact center.
Classic Checking is a great option if you're looking for straightforward everyday banking with no monthly maintenance fee. Premier Checking includes additional benefits and rewards that may be valuable if you're looking for enhanced account features. Review each account's features, requirements, and fees to determine which option best fits your needs.
We recommend updating your direct deposit as soon as possible after opening your account. Some employers and payers may need time to process account changes, so starting early can help ensure you meet the offer requirements within the 90-day qualification period.
Keeping an eye on your account is the easiest way to avoid overdrafts. Use Online Banking or the HVCU Mobile App to check your balance, track transactions, and set up alerts so you know when money is coming in or going out. If you ever have questions about your account or available balance, our team is happy to help.
After you enroll in Online Banking, log in and select Electronic Documents from the menu. Then choose View eDocuments, accept the Site Terms, and turn eStatements on.
Need a hand? Our branch team can help guide you through the process. You'll make the final switch to eStatements yourself, and we'll be here if you have any questions.
To claim this offer, you or a family member must have received an invitation to your residential address. You can open the account online using the promo link provided to you on your invitation. Alternatively, you can bring the invitation to any HVCU branch. In-branch account opening might be helpful if you prefer talking to our team about financial matters or have questions about the offer.
Once you've completed the 90-day qualification period and all offer requirements have been verified, we'll deposit the $500 bonus directly into your new checking account within five business days. If you're unsure whether you've completed the requirements, contact us, visit a branch, or call our Contact Center and we'll be happy to help review your account.
Once you've opened your account, you can monitor your qualifying activities through your account history in Online Banking or Mobile Banking. If you're unsure whether you've completed all requirements, contact us or visit a branch and we'll be happy to review your account with you.
You'll still keep your checking account and continue to enjoy its features and benefits. However, all offer requirements must be completed before the cash bonus can be paid.
No, this offer may not be combined with other HVCU personal checking offers.
To qualify for and receive the bonus, your account must remain open and in good standing. If you have questions about account closure policies or fees, we're happy to help review your options before you open an account.
There are no monthly fees associated with Classic Checking. There is a $15 monthly fee for Premier Checking that can be waived when you maintain an average daily share balance of $15,000 or more, and aggregate monthly direct deposit(s) of $1,000. Please review our Fee Schedule for full details.
The cash incentive may be considered taxable income. You may receive tax documentation as required by law. Consult a tax professional for guidance.
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Important Legal Disclosures & Information
1Terms and Conditions applicable to $500 Bonus Checking Account Offer Offer Period: This promotional offer is valid from 10/22/2026 through 12/21/2026.
Annual Percentage Yield (APY): The APY for a Classic Checking Account is 0.02% and a Premier Checking Account is 0.05%, accurate as of 10/22/2026. Rates are variable and subject to change after account opening. There is no minimum balance to open the account or earn the stated APY. Fees or other conditions may reduce earnings. Premier Checking accounts are subject to a monthly minimum balance fee and other fees. Please refer to the Premier Checking Account Terms and Fee Schedule for details.
How to Earn the Bonus: To receive the cash incentive, you must complete all the following requirements:
1. Open a New Account: Open your first new HVCU consumer checking account by 12/21/2026.
2. Meet Deposit Requirements: Deposit qualifying deposit(s) of at least $1,500 within 90 days of account opening.
- What counts as qualifying: A qualifying direct deposit is a regular payment you receive each month (like your paycheck, pension, or Social Security) that is sent to your account by your employer or another payer using your account and routing numbers.
- What doesn’t count as qualifying: your initial deposit to open the account, deposits made at a branch or ATM, wire transfers, transfers from another account (including debit card or credit card transfers), or transfers made through online or mobile banking.
3. Enroll in Online Banking: Sign up for Internet or Mobile banking.
4. Enroll in eStatements: After you enroll in Online Banking, log in and choose to receive your account statements electronically (also called eStatements) instead of by mail.
Fulfillment: HVCU will deposit the cash bonus into the account holder’s new checking account five (5) business days after all offer requirements have been met and verified.
Eligibility: Offer available only to individuals who receive a direct invitation, which extends to all household members of the addressee who are at least 18 years of age. Existing HVCU personal members (defined as individuals who currently hold or have previously held a HVCU consumer checking account) are not eligible. Only Personal Classic and Premier checking accounts are eligible for this offer. Limit one bonus per individual.
Account Standing Requirements: All accounts are subject to approval. To qualify for and receive the bonus, your account must remain open and in good standing. Good standing means you have on deposit at least the par value of one full share ($0.01) in the regular share savings account, have no delinquent loans (payment is not more than 30 days late), and have a positive balance in all share accounts. This account is subject to all the terms and conditions stated in the Truth in Savings Disclosure and Account Agreement and this checking Account Bonus Disclosure Addendum as they may be amended from time to time and which are incorporated by reference. HVCU expressly reserves the right to modify or terminate this promotion at its discretion at any time and without further notice provided to you. Members who have already met, or are actively meeting, the stated requirements at the time of a promotion change will not be adversely affected and will remain eligible to receive the bonus upon successful completion of all requirements. Promotional offers cannot be combined. The offer is non-transferable and no substitutions or exceptions will be made or considered. Cash bonuses may be reported to the Internal Revenue Service as interest or miscellaneous income (Form 1099-INT or 1099-MISC, as applicable). You are responsible for any applicable taxes; please consult your tax advisor.