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AccountsHCFCU offers many types of accounts for your needs. Sign up for one today!

CheckingEnjoy the convenience of our HCFCU checking option.

Premium Saver

The Premium Saver Checking is for those who keep high balances in their checking. You must keep an average daily balance (ADB) of $50,000 to avoid the monthly Service Charge.*

When you have a Check Advantage Account, you have access to:

  • FREE eBranch
  • FREE eBranch Bill Pay 1
  • FREE eBranch Check Imaging
  • CALL24 Telephone Teller
  • Overdraft Protection & Courtesy Pay 2
  • InstaCheck Debit Card
  • Access to over 25,000 ATMs Nationwide 3



Current Rates



Please visit any branch to open 4 your Money Manager Checking account today!

* Please see current Fee Schedule for Service Charge.

1 eBranch Bill Pay is a FREE service for our members. Use of this service may cause NSF and overdrafts within your account which in turn will cause Service Charges. Please see current fee schedule for charge.

2 Certain terms and conditions apply. Every use of Courtesy Pay will result in a Service Charge. Please see current fee schedule for charge. You must qualify for Courtesy Pay. Your account must meet the following minimum qualifications to be eligible for Courtesy Pay: checking account must be open and active for a minimum of sixty (60) calendar days; no delinquent HCFCU loans in excess of fifteen (15) days; no levies or garnishments on the account, the account is not classified as dormant, non-profit or a Public Funds; member is not a minor with a Youth Share Account or Student Credit Union Account; and the account has not been at a zero (0) balance or negative balance for more than 30 days.

3 Via the CO-OP Network.

4 Subject to approval. Certain restrictions apply.

5 Must establish membership prior to opening a Check Advantage Account. The minimum deposit to establish your membership is $50 that goes into your Savings Account.

Approval for account given through TeleCheck.