Hudson River Community Credit Union features many no or low cost checking accounts to fulfill your needs. All of our checking accounts listed below are non-interest bearing accounts with no minimum balance requirements.

Members may also apply for HRCCU's VISA® Check Card.

Click here to order your checks

TRULY FREE CHECKING
(Choice Checking Account (s75) only!)

Eligibility:
Must have Direct Deposit in a HRCCU checking account AND an active VISA Check Card used at least 3x's a month at retailers.

• No monthly fees (a savings of at least $24.00 a year)!
• Free basic checks for life of the account (up to $8.07 value)!
• No per check charge!
• Unlimited check writing!
• No minimum balance required!
• Free VISA Check Card!*
• Overdraft Protection! - Click here for the overdraft protection disclosure.
• Fee-free Travelers Cheques!

*A HRCCU VISA Check Card is required to be eligible for Truly Free Checking program. Also, member must use VISA Check Card at retailers at least three times a month to avoid $2.00 service fee.

CHOICE CHECKING (s75)
(NOTE: Must sign membership account card.)

• $2.00 per month service charge.
• Purchase your own checks. Cost between $12.50-$18.25 per box of
• 150 checks, depending on which design is chosen.
• Free 50 starter checks. Reorder slip enclosed with checks.

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X-TRA CHECKING (s73)
All these great benefits for only $4.00 a month!
(NOTE: Must sign membership account card AND blue insurance card.)

• Basic Checks (If a different design is requested, the member pays the difference    above $8.07).
• $2,500 24-hour accidental death insurance.
• Credit card protection.
• Bonus Travel.
• Travelers Cheques with no issue fee.
• Key Ring Protection.
• Direct Deposit of Payroll Checks, Social Security or any other
• Governmental Checks.
• Sojourns Magazine subscription.
• Nationwide Discount Book.
• Auto Emergency Log.
• Medical Emergency Data Card.
• Safe Deposit Box Log
• Notary Service.

• Home Inventory Log

X-TRA PLUS CHECKING (s74)
All the great benefits of X-tra Checking PLUS the benefits below for only $6.00 a month! (NOTE: Must sign membership account card AND white insurance card.)

Buyer's Advantage - 90 day Purchase Replacement and Extended Warranty.
Increased Accidental Death Insurance with the Family Plan:

• $25,000 coverage for members.
• $2,500 coverage for your spouse and each dependent child (if not already covered as an account holder).
• Plus as a member, your Accidental Death Insurance increases to

• $100,000 when you travel as a passenger on a scheduled airline.

Dining Advantage -- receive 10% cash back when eating out by submitting the Dining Advantage Rebate Request Form.

• Rx Advantage Prescription Drug Program.

• Eye Care Plan of America.

PREMIER SHARE DRAFT CHECKING (S78)

• Minimum balance $500
• Free Checks - (checks are free as long as the accountholder has direct deposit of their net pay, social security, or other government-issued check to their HRCCU account.
• Free foreign ATM transactions (4x/month - Waived ATM fees apply to HRCCU's $1.00 foreign ATM fee and not for the surcharges imposed by other financial institutions.)
• Free Virtual Branch, Bill PayIt & eStatements
• Overdraft Privilege - Click here for the overdraft privilege disclosure.

PREMIER PLUS SHARE DRAFT CHECKING (s79)

• Minimum balance $2,500
• Free Checks - (checks are free as long as the accountholder has direct deposit of their net pay, social security, or other government-issued check to their HRCCU account.
• Free Foreign ATM transactions (6x/month - Waived ATM fees apply to HRCCU's $1.00 foreign ATM fee and not for the surcharges imposed by other financial institutions.)
• Free Virtual Branch, Bill PayIt & eStatements
• Overdraft Privilege -  Click here for the overdraft privilege disclosure.

DIRECT DEPOSIT OF PAYROLL/RETIREMENT CHECK ONLY!
(Choice Checking Account (s75) only!)

• $2.00 per month service charge.

• No charge for basic checks (up to $7.73 value).

PRIME PLUS PROGRAM (s72)
(Choice Checking Account (s75) only!)

Eligibility:

• Must be an HRCCU member age 62 or above.

• The following multiple account relationships must be established:

Choice Checking Account (s72)

• Active VISA Check card  (use
• VISA Check card at least 3 more times a month at retailers).

• Direct Deposit of Social Security, Retirement or Paycheck.

Benefits:

• "Truly Free" Checking (see program details listed above)!
• Complimentary Dinner Ticket to HRCCU's Annual Meeting!
  $5.00 Discount on the Purchase of an Entertainment Discount Coupon Booklet when    purchased from HRCCU!

How to Become a Member and Open Your Checking Account
It's Quick and It's Easy

• Fill Out Our On-Line Member Application
• Visit One of Our Convenient Offices and Sign a Signature Card.
• Make Your Initial Deposit of $5.00.