COURTESY PAY...This lets you overdraw your checking account because we do not return your overdraft. It affects checking, atm card, debit card and ach transfers. With this plan you'll still pay the $20 overdraft fee to HCU but you will avoid the merchant's return fee. All overdrafts must be cleared up in 30 days. There is a $500 limit on what you can overdraw and you must come to the Harrison St. office to apply.

Checking

Your Checking account, or "Share Draft", opens the door to many services not available with your Savings account. You can take your finances with you wherever you go by using checks, ATMs, and debit cards.

Are your credit card rates too high? Check out our debt consolidation program! Our knowledgable staff will work with you to find the best rate.

Account features

• $100 minimum balance to open a checking account.
• ATM/Debit cards available for your convenience (see ATM/Debit Cards).
• Overdraft transfer available from your Regular Savings (see Overdraft Protection).
• Choose from a wide selection of check styles (see Ordering Checks).
• Check copies available upon request at 30th Street branch.
• Direct deposit into checking account.
• No monthly fee if average monthly balance of combined checking and savings is $100 or more. Otherwise, a $3 fee is charged monthly.

Online/Automated features

• Online and phone access to your accounts (see Online Banking).
  Note: Maximum of six transfers per month via online, phone, and overdraft.
• Pay your bills online, directly from your checking account (see Bill-Pay).
• ATM access to your checking account (see ATM/Debit Cards).
• Direct deposit your paycheck into your checking.
• Automatic distribution of your payroll according to your specification to other types of accounts or to other accounts.