Checking Accounts

Make Every Dollar Work Harder

Premier Checking at HRCCU rewards your account activity with interest earnings and added account benefits like free checks.

What is a Premier Checking Account?

Premier Checking is HRCCU’s interest-bearing account that gives you more control and value from your everyday banking. Designed for those who maintain higher balances, this account features tiered interest earnings, free eStatements, and surcharge-free ATM access.

If you’re looking for an account that works as hard as you do, Premier Checking provides advantages that go beyond basic checking.

Members often use Premier Checking as their primary account to manage income and bills. This account also pairs well with HRCCU’s Certificate of Deposits or complements your high-yield savings strategy.

Earns Interest with $5 Monthly Fee

Two Free Boxes of BASIC Checks Per Year

Ideal for High-Balance Account Holders

man on phone and laptop opening bank account

How to Open a Premier Checking Account

Get started with an interest-bearing checking account that matches your financial goals in just a few steps.

Review account benefits to ensure it fits your needs
Gather your ID, SSN, and proof of address
Apply online or visit a branch
Fund your account with the required deposit
Set up eStatements, online banking, or direct deposit

Average Monthly Balance	Interest Rate	APY
$0.01-$2,499	0.00%	0.00%
$2,500 and up	0.05%	0.05%

APY = Annual Percentage Yield. Rate and APY are variable and are subject to change after the account is opened. APY is accurate as of today’s date. Minimum to open a regular account is $1.00. Fees may reduce earnings.

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Frequently Asked Questions

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A Premier Checking Account is designed to reward you for maintaining higher balances. Unlike our Choice Checking option, this account earns interest on your deposits and offers additional perks like two free boxes of BASIC checks per year.

This account is perfect for members who manage a steady income and want to grow their money while enjoying premium features. The more money you invest, the more interest you earn. Interest accrues monthly, and you can avoid additional fees by enrolling in eStatements and meeting minimum activity requirements.

If you’re someone who wants more out of your checking account, including more earning potential, Premier Checking is the smart upgrade from Choice Checking.

Yes, interest accrues automatically on eligible balances in your Premier Checking Account. There’s no need to activate the interest feature separately. As long as your balance meets the minimum required threshold, you’ll start earning right away.

Interest is calculated on a tiered basis, meaning the more you deposit, the higher the rate you may earn. Interest is posted monthly and clearly visible in your account transaction history.

Premier Checking is ideal if you’re looking to build savings while keeping your money liquid. It functions like a hybrid between checking and savings, with the accessibility of a debit card and the earning power of a basic interest account.

Yes, you can link your Premier Checking Account to any HRCCU savings account or Certificate of Deposit (CD). This setup allows easy transfers between accounts, giving you full control of how your money is allocated.

Many members link their checking to a high-yield savings account or CD to separate spending from savings. This is helpful for budgeting, emergency funds, or longer-term financial goals.

You can manage all linked accounts through online banking or the mobile app. This gives you quick access and flexibility to move money instantly and securely.

Yes, Premier Checking does come with a $5 monthly service fee if the account balance goes below $500. However, you can easily make this amount up through the interest you will earn on your monthly balance.

Yes, a Premier Checking Account is highly compatible with direct deposit. Members often route payroll, government benefits, or freelance payments into this account. Direct deposits arrive quickly and help you maintain the activity needed to earn rewards and interest.

You’ll receive your routing and account number during sign up, and can share them with your employer or benefit provider. Once set up, direct deposit ensures funds are available on time without needing to visit a branch.

Using direct deposit also helps you maintain a healthy balance, which are key to getting the most out of your Premier Checking Account.

Yes, if you already have a different HRCCU account, you can upgrade or switch to Premier Checking. You don’t need to open a new membership — just request an account change by speaking with a representative.

Your existing login, statements, and linked accounts remain intact. Only the account type and its associated benefits will change. Funds can be transferred over immediately.

This option makes it easy to transition from a basic checking account if you’ve grown your savings or want to earn interest while maintaining access to everyday banking tools.