Want $600 More Spending Money?

Open your first new HVCU checking account and earn $300 plus get another $300 when you open and activate a first new HVCU Visa® credit card. Offer valid 10/6 to 12/12/25. 
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This fall, we’re giving residents of the Capital Region 
and Sullivan County even more reasons to bank with us.


How It Works

STEP 1
Open Checking Account and Schedule Direct Deposit

Open your first new HVCU Classic or Premier checking account by 12/12/25. Within 90 days, set up at least $1,500 in qualifying direct deposits. 

STEP 2
Enroll in Online Banking and Turn On eStatements 

This quick step is required to earn your bonus. Once your account is open, within 90 days, sign into Online Banking, go to eDocuments, and turn eStatements to On. Our branch team can help you get set up, and you make the final switch yourself. 

STEP 3
Open & Activate 
Credit Card 

Within 30 days of opening your checking account, open and activate a new HVCU Visa® credit card (Platinum, Platinum Rewards, or Signature) to earn an additional $300 once your checking bonus requirements are met. 

Let's Find Your Ideal HVCU Visa Credit Card

Signature

Visa Signature Card Image

Perfect for travel or those who use their card as main payment method.

  • Earn up to 75,000 bonus points1,2
  • Get 2 points for every dollar spent.
  • $0 annual fee3

Explore Signature Card

Apply Online

View Important Rates and Disclosures

Platinum

Visa Signature Credit Card

Ideal for balance transfers or for those who carry a balance.

  • 0% intro APR offer1
  • $0 annual fee2
  • $0 balance transfer fees.2



Explore Platinum Card

APPLY ONLINE

View Important Rates and Disclosures

Platinum Rewards

Visa Platinum Rewards Credit Card

A great option for everyday spending and earning rewards.

  • Earn 12,000 bonus points1
  • Get 1 point for every dollar spent
  • $0 annual fee2


Explore Platinum Rewards Card

APPLY ONLINE

View Important Rates and Disclosures

Get Matched with the HVCU Visa® Credit Card 
That's Right For You

Take Our Quiz

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Activate eStatements to Unlock Your Bonus

Switching to eStatements is quick and helps you stay on top of your account. It is also an essential step to receive your bonus. 

After you enroll in Online Banking, go to the main Electronic Documents menu, select Electronic Documents from the drop down menu, and View eDocuments. From there, Accept the SiteTerms and turn eStatements On. 

Our branch team is happy to walk you through Online Banking so you can make the final switch yourself in just a few clicks. 
Learn More About eStatements
a screenshot showing where within Internet Banking to find eStatements

Frequently Asked Questions

If you don’t currently have a primary HVCU checking account and you reside in Albany, Columbia, Greene, Rensselaer, Saratoga, Schenectady, or Sullivan County, you can take advantage of this offer. Even better, you can walk into any HVCU branch to open your account - your eligibility is based on your home address, not the branch location. 

You must be at least 18 years old and have your first HVCU consumer checking account in good standing. You can earn $300 for meeting the checking account criteria listed above and an additional $300 for opening and activating a qualifying HVCU Visa® credit card within 30 days of opening your checking account. See full disclosure below for complete details.

Yes. You will earn the checking bonus once you meet the qualifying criteria and can then open your credit card within 30 days for the additional bonus.

A direct deposit of regular monthly income such as salary, pension, or Social Security benefits made by your employer or other payer using account and routing numbers you provide. Initial ACH deposits, teller deposits, wire transfers, debit card transfers, ATM deposits, or online/mobile transfers do not qualify.

You can enroll by downloading our mobile app from the Apple App Store or Google Play. Select Enroll, enter your member information, and follow the on-screen prompts. If you need help, our branch team can guide you through the process during your visit. 

Yes. Members who only have an auto loan with HVCU and no HVCU checking account can also qualify for this offer as long as they meet the requirements in the disclosure. 

No, secured credit cards are not included in this promotional offer. 

Discover the Benefits of Being an HVCU Member

We’re excited to welcome new members across the region and to help you enjoy more of what matters where you live. As part of your community, HVCU offers convenient branches, local support, and accounts designed to fit your lifestyle. Explore all the features and benefits of our checking accounts to learn more. 
Learn More About Checking Accounts
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Important Legal Disclosures & Information

Visa is a registered trademark of Visa International Service Association and used under license.

*Terms and Conditions Applicable to the $600 Bonus Checking Account Offer, valid 10/06/2025 through 12/12/2025.

The Annual Percentage Yield (APY) for a Classic Checking Account is 0.02% and a Premier Checking Account is 0.05%, and rates are accurate as of 09/25/2025. 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 could reduce earnings. Premier Checking accounts are subject to a monthly minimum balance fee and other fees; see the Premier Checking Account Terms and Fee Schedule for details.

HVCU will deposit a bonus of up to $600 into the account holder’s new checking account within five business days after the completion of the 90-day qualification period, provided the account holder fulfills the following criteria:

1) To be eligible for the $300 Checking Account Bonus:

  • Open your first new HVCU consumer checking account by December 12, 2025.
  • Within the first 90 calendar days of account opening:
    • Receive qualifying direct deposits totaling at least $1,500. A “qualifying direct deposit” is a direct deposit of regular monthly income, such as your salary, pension, or Social Security benefits, which are made by your employer or other payer, using account and routing numbers that you provide to them. Examples of non-qualifying direct deposits and transfers include: your initial ACH deposit to open the account, teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, or Internet or Mobile Banking transfers or deposits. Offer subject to member verification.
    • Enroll in Online Banking
    • Enroll in eStatements

2) To be eligible for the $300 Credit Card Bonus:

  • Meet all qualification criteria for the $300 Checking Account Bonus.
  • Open and activate your first new HVCU Visa Platinum, Platinum Rewards, or Signature Credit Card within 30 calendar days of the date the checking account is opened. The checking account must be opened no later than December 12, 2025, to be eligible.

Additional Terms

This offer is valid only for new checking accounts opened by members residing in Albany, Columbia, Greene, Rensselaer, Saratoga, Schenectady, and Sullivan Counties that meet the above criteria. Members may earn a $300 bonus for meeting the checking account criteria, and an additional $300 bonus for meeting the credit card criteria, for a total of up to $600. To qualify for this offer, the checking account must be your first HVCU checking account. Only Personal Classic and Premier checking accounts are eligible for this offer. Secured credit cards are not eligible for this offer. Members must be at least 18 years of age at the time of account opening. Account must be in good standing and the qualifications satisfied to receive bonus. 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. May be subject to IRS reporting; please consult your tax advisor. HVCU expressly reserves the right to modify or terminate this promotion at its discretion at any time and without further notice provided to you. Promotional offers cannot be combined. No exceptions will be made or considered. 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. 

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Visa Signature

1You will receive 25,000 bonus points if you make $3,000 or more signature-based purchases within three months of opening an HVCU Visa Signature Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point offer per credit line. Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points.

2Annual Bonus Rewards: you can earn up to 50,000 HVCU Rewards! points when you use your Visa Signature credit card as follows: spend $25,000 - $49,999 annually to earn 25,000 points; spend $50,000 or more annually to earn an additional 25,000 points.

3Foreign transaction fee is the exchange rate plus 1% of the transaction. Cash advance fee is 3% of the advanced amount. Please read the following disclosures that contain rate, fee, and other cost information related to HVCU credit cards. 

Visa Platinum

1APR=Annual Percentage Rate. Make purchases, cash advances, and balance transfers from other non-HVCU creditors and enjoy a 0% APR for the first 12 months of Visa Platinum credit card account opening. Thereafter, the APR will revert to the variable rate in effect after the 12 month introductory period, currently 15.50% to 18.00% APR. Variable APRs vary with the market based on the Prime Rate. This 0% introductory offer is valid for new HVCU Visa Platinum credit card accounts only. All other credit cards, including Visa Secured, are not eligible for this offer and may be not be combined with any other offers or discounts unless otherwise expressly noted. No exceptions will be made or considered. This offer is not guaranteed if you do not meet our credit criteria and if your account is not in good standing. HVCU expressly reserves the right to terminate this offer at its discretion at any time and without further notice provided to you. Rewards and/or rebates are not eligible with this offer. After the introductory period, rates for this product are as low as stated and are determined by an evaluation of applicant credit; your rate may vary from the rate shown.

2Foreign transaction fee is the exchange rate plus 1% of the transaction. Cash advance fee is 3% of the advanced amount. Please read the following disclosures that contain rate, fee, and other cost information related to HVCU credit cards. 

Visa Platinum Rewards

1You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point offer per credit line. Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points.

2Foreign transaction fee is the exchange rate plus 1% of the transaction. Cash advance fee is 3% of the advanced amount. Please read the following disclosures that contain rate, fee, and other cost information related to HVCU credit cards.