The Prime Plus Share Draft / Checking account is designed for members ages 62+.

• No minimum balance to open the account
• No monthly service fee on the account. (Member must have direct deposit of their net pay, Social Security or retirement check)
• No per check charge
• Free unlimited BASIC checks
• Visa Debit and / or ATM Card Access
• Overdraft Privilege Pay (Click here to read the disclosure)
• Free Virtual Branch, Bill PayIt & Mobile Banking
• Free Audio Response
• Free eStatements

Also included are the following Free Extra Benefits:

• Companion Airfare: With Companion Airfare, you travel with a friend and your friend’s ticket is on us! We’re proud to offer our members special complimentary companion airfare benefits. When you buy a regular-priced, adult, coach-class, round-trip ticket from any participating airline, you qualify for a complimentary, adult, coach-class, round-trip companion ticket worth up to $650. What’s more, you are eligible for one complimentary companion certificate every 12 months! With this special offer, you can grab a friend and fly to the coast, the mountains, the big city or their choice of more than 100 other exciting destinations. You’ll both have fun and save money at the same time! For frequently asked questions click here!
• Credit Alert: Credit Alert provides 24-hour, daily credit monitoring services to help consumers monitor and detect activity on their credit file. This protection service is a valuable tool in mitigating the risks of identity theft and fraud. Daily alerts notify consumers when an inquiry is made into their credit history or when certain negative information is added to their credit report. Members of this service also receive quarterly “no hits” notifications when no activity has been detected. Members also have access to our toll-free Credit Information Hotline staffed by Fair Credit Reporting Act (FCRA) trained representatives, to answer questions about the information contained in their credit file. For frequently asked questions click here! 
• Card Patrol:  Card Patrol is a proprietary technology service that helps prevent against identity theft and fraud. Card Patrol’s sophisticated, real-time, early-warning web crawling technology – combined with human intelligence – monitors various chat rooms across cyberspace looking for consumers’ exposed personal information. In the event that we find compromised personal information on one of our members, we immediately get that information back in the hands of the consumer so appropriate action can be taken to minimize the risk of identity theft and fraud. Card Patrol offers real-time data capture and member notification and has frequently been profiled by leading news organizations as a leading identity theft prevention service. For frequently asked questions click here!
• Fraud Assist Toolbox:  This convenient, online tool helps streamline the identity theft prevention and recovery process. Members can choose to set fraud alerts, stop pre-approved credit offers, and stop unwanted telemarketing calls. For those who become a victim of identity theft, the online guide will provide step-by-step instructions for resolving their issues. 
• Fraud Resolution: This benefit addresses concern for the fastest-growing crime in America: Identity theft. In addition to the insurance coverage, highly-trained fraud specialists are on call 24/7 to assist individuals with the fraud resolution process including how to restore their credit records and more importantly, their good name. Each claimant is issued a customized identity theft recovery kit, which includes pre-written letters the insured can use to notify relevant government agencies and businesses about the theft. Insurance coverage reimburses specified expenses incurred as a result of a stolen identity (such as lost wages, legal fees, certified mail and long distance charges). For frequently asked questions click here!

• Loan Discount: Maximum loan discount .75% off approved HRCCU consumer loans with auto payments from HRCCU checking.

• One reduced price ticket per account/joint account for HRCCU's Annual Meeting.