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Personal Checking Accounts

All checking accounts are not created equal. Compare our checking account to other institutions and you’ll see that we go beyond the confines of free and ordinary.

  • Visa Debit Card Arrow Block
    No toasters, no barbeque tools, just great benefits like daily dividends, no minimum balance requirement, no monthly service charge, and no per check fees—plus a free Visa Debit Card.
  • HVFCU Rewards Arrow Block
    Use your Visa® Debit Card for purchases and earn one HVCU Rewards!1 point for every $5 spent on signature-based / credit transactions2 3 (when you don’t enter your PIN). Points can be redeemed for merchandise, cash, travel rewards, and more. 
  • Share Insurance Fund Arrow Block
    Your accounts are safe and secure—insured by the National Credit Union Share Insurance Fund to at least $250,000. Visit to learn more about your Share Insurance Coverage and to access resources including a Share Insurance Estimator tool, publications, videos, and more.

Get Started

Open an Account Online

What to Expect

Move Your Accounts to HVCU with CLickSWITCH

Member Rewards Program

All members enjoy standard benefits, like free Internet Banking, Mobile Banking, Bill Pay, eStatements, Financial Services consultations, insurance checkups, and more. But those members who have an HVCU free checking account and Visa® Debit Card truly maximize their membership benefits.4

Members who have an HVCU checking account and Visa Debit Card receive:

  • 12 free non-HVCU network ATM transactions
  • 2 free boxes of HVCU custom checks annually
  • 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

Visa Debit Card

Ask for a free HVCU Visa Debit Card for your checking account and start enjoying its benefits immediately. Use your card instead of checks everywhere Visa Debit is accepted—and earn points as you spend through HVCU Rewards!

Explore Visa Debit

  • Free card
  • Accepted worldwide
  • Easily make purchases with Mobile Wallet services such as Apple Pay, Google Pay, and Samsung Pay
  • Convenient for shopping

Deposit Checks with Mobile Deposit

Use our Mobile Banking app to deposit checks with your mobile device any time of the day.

Mobile Deposit is convenient, secure, and easy to use:

  1. Save time with fewer trips to our branches
  2. Deposit checks directly into your HVCU saving, checking, or tiered money market accounts
  3. Get confirmation on your mobile device for each successful deposit

For additional information on Mobile Deposit, please review our Mobile Banking FAQs. If you are having trouble capturing your check image or using Mobile Deposit, view these troubleshooting tips for better images and usage.


Checking Account Rate


View all rates and disclosures




Mistakes can happen. A transposed number. A miscalculation, and before you realize it, you have insufficient funds in your account to cover your remaining transactions. That's why it’s important to arrange for overdraft protection for your checking account to keep items from being returned.

Explore Overdraft Protection


Direct deposit via ACH (Automated Clearing House) is today’s safest, fastest, most convenient way to deposit your paycheck, Social Security, or other recurring payment.

Set up ACH direct deposit.


When you couple your HVCU checking account with our free and convenient services you’ve got everything you need to manage your finances effectively. So why have a checking account anywhere else? Switch your account with our easy-to-use ClickSWITCH service.


Useful Resource

Monitor your account balances and account activity with text and email notifications through CUAlerts.

Monitor Accounts

1Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points.

2Visa 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.

3Points 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.

4 Members with a checking account and no Visa Debit Card, will receive 25 check copies annually, 25 statement copies annually, one box of HVCU custom checks annually, and 12 surcharge-free ATM transactions at non-HVCU ATMs monthly. Business and club/organization accounts do not qualify for these benefits.

5 ATM owner may assess a surcharge.