Personal Checking Accounts

Enjoy ultimate flexibility and peace of mind with an HVCU checking account. Take our checking quiz to see which account is best for you.

No Matter What Type of 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.

Compare Checking Accounts

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Features and Benefits Classic Checking Premier Checking*

Earns HVCU Rewards! 1 with your Visa Debit Card

Direct Deposit
Required to waive monthly fee2
Free Bill Pay
Overdraft Protection 3,4
Free Checks for Members 65 or Older5
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Rewards Classic Checking Premier Checking*
Vehicle Loan Rate Discount
Home Equity Line of Credit Rate Discount
Earn Bonus Credit Card Rewards
Additional 25% monthly7
Mortgage Origination Credit
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Fees Classic Checking Premier Checking*
Incoming Wire Transfer Fee
Free Transactions at Non-HVCU ATMs Per Month9
Up to 12
Minimum Balance Requirement
Monthly Fee


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
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Teen Checking Account (Ages 13-17)

Learn to spend wisely at an early age with a Teen Checking Account.10

You can open a teen checking account online or in any of our branches.
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Still Not Sure Which Checking Account is Right for You?

Already Have a Classic Checking Account?

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.
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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.

HVCU Rewards! Visa Debit Card

Member Rewards Program for Visa Debit Cardholders11

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

Move Your Checking Account to HVCU

Health Savings Checking Account

If you have a High Deductible Health Plan, an HSA Checking Account can help reduce out-of-pocket expenses.
  • HSA contributions, withdrawals for qualified medical expenses, and asset growth are all tax free.
  • You own and control the money in your HSA Checking Account. Funds can be used whenever you need them.
    • Unused funds rollover from year-to-year, allowing you to save for future medical expenses. The money in your account is also yours to keep, regardless if you switch employers.
  • Taxable income is decreased by having an HSA Checking Account, so fewer taxes need to be paid out.
Woman paying for medicine

PaySmart Account - An Alternative to Our Checking Accounts

If you prefer a straight-forward transactional account without all the extras, PaySmart may be the perfect account for your needs. No complicated features or balancing needed, just an easy to use, simple account.
  • No-frills, non-dividend bearing account has a low opening deposit of $25 and no transaction fees.
  • Unlimited money orders at $.75 each when you maintain a daily minimum balance of $2512.
  • Access your accounts at thousands of surcharge-free ATMs nationwide. Online access through Internet Banking, Mobile Banking, and Text Banking. Telephone banking via MAGIC audio response.
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Your Money Is Protected

Accounts at HVCU are Federally Insured for up to $250,000. Share insurance coverage is provided by the National Credit Union Administration (NCUA), an independent government agency that charters, regulates and insures federal credit unions. Visit to learn more about your Share Insurance Coverage.

What Your Neighbors Are Saying

  • Image of Woman leaning on a railing outdoors
    HVCU Member
    8 Years
    I have been an HVCU member for years and have had multiple accounts. I've always received good customer service from them.

    Rating star-5 out of 5 stars.
  • Image of Woman holding a coffee cup
    HVCU Member
    4 Years
    I'm on my second vehicle financed through HVCU and I also have my checking account through you and have no problems. I love you guys!

    Rating star-5 out of 5 stars.
  • Image of Smiling male
    HVCU Member
    1 Year
    The process of opening an account was hassle free, and very convenient.

    Rating star-5 out of 5 stars.

We Are Here to Help

Important Legal Disclosures & Information

The tools and calculators on the HVCU website are provided for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your financial circumstances are not guaranteed. HVCU does not provide tax, legal, accounting, financial, investment or other professional advice. The tools and calculators should not be used as a substitute for tax, legal, accounting, financial, investment or other professional advice. Your use of the tools or calculators does not assure the availability of, or your eligibility for, any specific product offered by HVCU or its affiliates. The terms and conditions of specific products may differ and affect the results obtained by using these tools and calculators. All financing is subject to credit approval. The default figures, amounts and information shown in the tools and calculators are hypothetical and may not be applicable to you. Please consult with qualified professionals to discuss your particular situation.

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

1Your 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 to 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.

2Premier 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.

3Transactions from a savings account are subject to our Truth in Savings Disclosure and Account Agreement

4A 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.

5One box of HVCU custom checks annually.

6Premier 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. Does not apply to introductory rate periods or other promotional rate offers.

7Earn 25% bonus reward points on Credit Card purchases. Bonus does not apply to debit card purchases.

8Members 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.

9ATM owner may assess an out-of-network fee.

10Teen Checking: APY=Annual Percentage Yield. The APY is 0.02%, effective as of 7/1/24, and is subject to change without notice. The minimum balance to open a Teen Checking is $0.00. An adult at least 18 years of age must be joint. Minor must also have a Primary Savings account with a $5 minimum balance. Fees could reduce earnings. Rates are variable and may change after account opening.

11Members 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.

12If your account balance falls below the $25 minimum, the cost for a money order rises to $4.00.