Personal Checking Accounts

Far and away superior to any other banking relationship I've had.

- Member for 40 years

No matter what type of checking account you need, you’ve come to the right place. Whether you are looking for an account that offers perks, rewards, and loan discounts, or just need an everyday account that provides all the essentials to do banking your way, we’ve got you covered with our Premier Checking, Classic Checking or Teen Checking for those 13-17 years of age.

Take our checking account quiz, or review the checking account options below, to see which account is best for your needs.

Compare Checking Accounts

Features and Benefits	Classic	Premier*
Earns Interest	0.02% APY¹	0.05% APY¹
Earns HVCU Rewards! ²	Yes	Yes
Direct Deposit	Optional	Required to waive monthly fee³
Free Bill Pay	Yes	Yes
Overdraft Protection ^4,5	Yes	Yes
Free Checks for Members 65 or Older⁶	Yes	Yes

Rewards	Classic	Premier*
Vehicle Loan Rate Discount	-	0.25%⁷
Home Equity Line of Credit Rate Discount	-	0.25%⁸
Earn Bonus Credit Card Rewards	-	Additional 25% monthly⁹
Mortgage Origination Credit	$0	$350¹⁰

Fees	Classic	Premier*
Incoming Wire Transfer Fee	$12.50	Waived
Free Transactions at Non-HVCU ATMs Per Month¹¹	Up to 12	Unlimited
Minimum Balance Requirement	$0	$0³
Monthly Fee	$0	$15³ To avoid this fee, you must maintain a combined average daily share balance of $15,000 or more and aggregate monthly direct deposit(s) of $1,000.
Expedited Shipping for Debit or Credit Cards	CU Cost	Waived

Teen Checking Accounts

We also offer a checking account for members between the ages of 13 and 17. So if you are looking to open your own account, or are a parent of a teen and would like to help get them started, now is the time to open an account. Learn more.

Still Not Sure Which Checking Account is Right for You?

Take the checking account quiz, stop by one of our convenient branch locations to speak with a member of our team, or even live chat with us during regular business hours.

Already Have a Classic Checking Account? Upgrade to a Premier Checking Account Today!

If you currently have an HVCU Classic Checking Account, now is a great time to upgrade. Our Premier Checking Account provides the opportunity to receive a variety of benefits as noted in the comparison chart above. Use our online form to upgrade today!
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Use Your Debit Card, Get Rewarded

Whether you're hunting for bargains, planning an adventure, or just buying gas or groceries, your HVCU Visa® Debit Card makes shopping easier. Use your card at millions of places – right around the corner, online, or all over the world. Plus, you’ll earn HVCU Rewards! points on every signature-based transaction you make with your card.

Member Rewards Program¹²

Members who have an HVCU checking account and Visa Debit Card are eligible for:

Free replacement Visa Debit Cards and Visa Credit Cards
25 free check copies annually
25 free statement copies annually
Free official checks and money orders
Free check protests / collections
Free guaranteed checks

Access Your Accounts

If you have an HVCU checking account, you can access your account 24/7, using:

Internet Banking/Mobile Banking
Mobile Wallet
HVCU Visa^® Debit Card
More than 85,000+ surcharge-free ATMs nationwide

Resources

We Are Here To Help

Find What You Need

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^{*The Premier Checking account is limited to one account per primary member with up to one joint owner.

1}APY=Annual Percentage Yield.

²Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points. Visa Debit Card reward points require signature-authorized transactions to earn points. PIN-based, point-of-sale, ATM transactions, cash withdrawals, and checks do not earn points. Points are not be earned or accumulated for cash advances, convenience checks, traveler’s check purchases, finance charges, late fees, annual fees, over-limit fees or transaction fees.

³Premier Checking is subject to a $15.00 monthly fee. To avoid this fee, you must maintain a combined average daily share balance of $15,000 or more and an aggregate minimum of $1,000 monthly direct deposit(s) to your primary account.

⁴Transactions from a savings account are subject to our Truth in Savings Disclosure and Account Agreement.

⁵A fee is assessed for each overdraft (“Privilege Pay”) item paid (total items up to a maximum limit of $500 including Privilege Pay item fees) as set forth in the Fee Schedule. You have 30 days to repay the negative balance; however, we will withdraw funds from other accounts as early as the following day if funds are available to bring the negative balance current. If your account remains negative for more than 30 days, Privilege Pay will be suspended or revoked until your account returns to good standing. Privilege Pay is not available for estate, organizational, custodial, infant compromise, memorial, or guardian/conservator accounts.

⁶One box of HVCU custom checks annually.

⁷Premier Checking Account holders will receive a rate reduction of 0.25%. Additional discounts may apply when loan payments are automatically transferred from any account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate.

⁸Premier Checking Primary Account holders will receive a rate reduction of 0.25%. Additional discounts may apply when loan payments are automatically transferred from any HVCU savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. Does not apply to Flex Lock HELOCs.

⁹Earn 25% bonus reward points on Credit Card purchases. Bonus does not apply to debit card purchases.

¹⁰Members that are primary on an open Premier Checking Account at the time of mortgage closing will receive a $350 statement credit within 7 business days of funding. The mortgage must close within 90 days of receipt of application to be eligible. Offer valid on first mortgage purchases and non-HVCU refinances. Home Equity products and commercial mortgages are not eligible for this offer. No exceptions will be made or considered. May be subject to IRS reporting. Consult a tax professional as to reporting requirements, as this offer is not intended to provide tax advice or guidance. This offer is not guaranteed if your account is not in good standing, or if you do not meet our credit criteria and/or underwriting criteria and may be discontinued or changed without further notice to you.

¹¹ATM owner may assess an out-of-network fee.

¹²Members 65 or older with an HVCU checking account and no Visa Debit Card, are eligible for 25 check copies annually, 25 statement copies annually, one box of HVCU custom checks annually at no additional charge, and 12 surcharge-free ATM transactions at non-HVCU ATMs monthly. Business and club/organization accounts do not qualify for these benefits.

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