Checking Accounts

Checking Accounts with HRCCU

Choose the checking account that fits your lifestyle with no monthly fees and convenient digital access.

Types of Checking Accounts

Choice Checking

No fees, no minimum balance
Free Visa® Debit Card
Online & mobile banking access
Simple checking for ages 15+

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Premier Checking

Added value for just $5/month
Two free boxes of checks yearly
Free Visa® Debit Card + digital banking
Extra convenience and protection

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Business Checking

Simplify business finances with no monthly service fee
Free Visa® Debit Card + digital banking access
Convenient ATM transactions and eStatements
Designed for businesses seeking flexible, reliable checking

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Open Your Checking Account in Minutes

It’s easy to get started with a checking account that fits your needs.

Choose your account option
Gather your ID, SSN, and proof of address
Apply online or at a branch
Fund your account with cash, check, or transfer
Set up online and mobile banking

man on phone and laptop opening bank account

Checking Account Options

	Choice Checking	Premier Checking
Best For	Member 15 & Older	Those with the Required Available Balance
Minimum Balance	$0	$500
Monthly Service Fee	$0	$5
Check Order Fee	First Order of 40 Free BASIC Checks	Two Free Boxes of BASIC Checks Per Year
Check Processing	$0	$0
Free Visa® Debit Card
Free ATM Transactions
Courtesy Pay Protection
Free Access to Online & Mobile Banking
FREE Audio Response
FREE eStatements
Mobile Payments

Choice Checking

Premier Checking

Best For

Member 15 & Older

Those with the Required Available Balance

Minimum Balance

$500

Monthly Service Fee

Check Order Fee

First Order of 40 Free BASIC Checks

Two Free Boxes of BASIC Checks Per Year

Check Processing

Free Visa® Debit Card

Free ATM Transactions

Courtesy Pay Protection

Free Access to Online & Mobile Banking

FREE Audio Response

FREE eStatements

Mobile Payments

Featured Benefits

Online & Mobile Banking

Enjoy free, secure online and mobile banking, giving you the flexibility to manage your accounts anytime, anywhere.

Nationwide Branch & ATM Access

Access a nationwide network of branch locations and Co-Op ATMs, conveniently located near you and across the U.S.

Overdraft Protection

Purchase with confidence, knowing that your account is protected with an overdraft option that has you covered.

Want to Learn More? Connect With Us Today for Personalized Support.

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Your Money. Your Way.

No Hidden Monthly Fees

Online banking & mobile deposit

Over 30,000 surcharge-free ATMs nationwide

Member Testimonials

Frequently Asked Questions

HRCCU’s Choice and Premier Checking Accounts are designed to keep banking simple and accessible. With no hidden monthly service fees on Choice Checking and a low balance requirement for Premier Checking, members can enjoy flexible options that suit their financial habits.

Both accounts offer free Visa® Debit Card access, unlimited check writing, and secure online and mobile banking tools. You’ll also benefit from features like FREE Audio Response, eStatements, and surcharge-free ATM transactions (foreign ATM fees may apply). Whether you’re managing everyday expenses or planning ahead, HRCCU provides reliable tools and local support to help you stay in control.

HRCCU’s Premier Checking Account offers interest earnings based on your balance, distinguishing it from standard checking accounts. It combines the flexibility of checking with the advantage of earning interest, no additional requirements needed.

Unlike Choice Checking, Premier Checking lets your balance work for you, providing a steady return while maintaining full access to your funds and the same level of protection and support offered to all members.

Yes. HRCCU makes it easy to open a checking account online in just a few minutes. Simply choose the account that best fits your needs, complete our secure online application, and make your initial deposit.

You’ll then have instant access to online and mobile banking, a FREE Visa® Debit Card, eStatements, and other convenient features. If you prefer, you can also open an account at any HRCCU branch with the same quick and simple process.

HRCCU checking accounts are designed with transparency in mind. While the Premier Checking Account does include a $5 monthly maintenance fee, there are no hidden charges or surprise fees beyond the upfront monthly fee. Choice checking accounts have are fee free.

Optional services such as wire transfers or overdraft protection may carry fees, but these are clearly disclosed upfront. Our goal is to help you bank with confidence and clarity.

Switching your checking account to HRCCU is simple. You can open an account online or at any branch, and our team can help you transfer funds into the account and set up direct deposit.

Our team will guide you through the process and help ensure your account is tailored to your specific needs.

To open a checking account, you’ll need a valid government-issued photo ID (such as a driver’s license or passport) and your Social Security Number. If you’re opening the account online, be prepared to verify your identity digitally and make an initial deposit. Our team is here to make the process quick and easy, whether you open your account in person or online.