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Checking

Open a Free Checking account today and enjoy 3.00% APY* along with rewards points when you use your Visa check/debit card.

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3 steps to your new checking account

Everyday banking made easy.

01

Open your account

02

Fund your account

03

Bank your way

Open an account

Perks of Free Checking

No minimum balance

No monthly fees

3.00% APY*

Rewards

FREE CHECKING % on balances up to $10k APY* 3.00%

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How to earn 3.00%

To earn 3.00% APY on your Free Checking account:

01
Enroll in online banking and log in at least once per month.
02
Sign up for eStatements: Go paperless to save time and help the environment.

 

03
Make at least 12 debit/check card purchases: Use your card regularly each month.

 

04
Deposit at least $500 electronically: Keep your account active with monthly direct deposits.

 

Fraud protection

Looking out for you is part of what we do. That means giving you simple, reliable tools to help keep your information secure and your finances on track — so you can bank with confidence. How we help protect you:

  • Card Controls — Control when and how your card is used, set spending limits, and receive transaction notifications. Log in to online banking to get started.
  • Visa Click to Pay — A faster, more secure way to check out online without reentering your payment and shipping information.
  • Verified by Visa — An added layer of protection that helps confirm your identity when you shop online.
  • Visa Purchase Alerts — Stay on top of your account with email alerts based on the transaction activity you choose, so you can quickly spot anything unusual.

What others are saying

View All Testimonials ❯
❛❛

Gaby went above and beyond helping me open my new account. She pointed out banking options I didn’t even know I needed and was so patient the whole time. Her knowledge is incredible, and she made everything easy to understand. Thank you so much, Gaby — I couldn’t have done it without you!

Lenore

❛❛

Jennifer went above and beyond helping me. She even followed up with me with a call back, explaining more saving options. Great service!

Kenny

❛❛

Gaby went above and beyond in helping me open a new account. She guided me through banking needs I didn’t even know about and was incredibly patient throughout the process. Her knowledge is truly impressive. Thank you so much, Gaby. I couldn’t have done it without you!

Lenore W.

❛❛

Bri was very helpful with our recent transaction. She was very kind. She is one of the reasons we continue to bank with HACU.

Jeffery L.

❛❛

I am a proud member and wouldn’t go anywhere else. As a longtime member, HACU has never disappointed me. I’m also glad that services can be done online— it’s a definite win!

Pamela S.

❛❛

Gwyn was so helpful and had all the answers! I’m getting a large pension check and had a lot of questions about things like money markets and rates. She made everything easy to understand and was super personable—even sharing her direct email at HACU to make things simple.

Kathleen G.

mobile-app

Mobile banking

Deposit checks from your phone

Control when your card is used by turning it on or off

Quickly check your balance without logging in

Checking account FAQs

Who can open a checking account with the credit union?

Any member can apply for a checking account. Minor accounts are reviewed on a case-by-case basis. Open an account today. 

What types of checking accounts do you offer?

We offer consumer and business checking accounts.

Is there a minimum balance requirement?

No. Our checking accounts do not require a minimum balance; however, our business checking account has a $20 monthly fee if the balance falls below $1,000.

Are there monthly maintenance fees?

We do not charge monthly maintenance fees on our checking accounts; however, our business checking account has a $20 monthly fee if the balance falls below $1,000.

How do I set up direct deposit?

Direct Deposit allows members to deposit all or a portion of their paycheck directly into their HACU account each pay period via Direct Deposit or Payroll Deduction. In addition to saving time, this provides financial flexibility.

  • Direct Deposit – deposit your entire paycheck into your HACU account.
  • Payroll Deduction – designate a set amount from your regular paycheck for deposit.

Establishing Direct Deposit with HealthCare Associates is easy. Follow your employer’s payroll procedures to begin sending funds electronically every pay period. You will need our Routing Number 271992183 and your account number. 

Can I access my checking account online and on mobile?

Yes, online and mobile banking come with all the banking features you need, plus the extras that take you from average banking to healthy banking. 

  • Check balances.
  • View account history.
  • Transfer funds.
  • Send and receive money with Zelle.
  • Deposit checks from your phone or on a desktop.
  • Quickly & securely view a snapshot of your accounts without logging in.
  • Search for branch & ATM locations​.
  • Set savings goals and more.

Are debit cards included with checking accounts?

Yes, in most cases a debit card is included with your checking account for convenient access to your money.

How do I order checks or reorder them?

Order checks from the convenience of your home with online banking or by speaking with a member of our Care Team in a branch or on the phone.

Are my deposits insured?

Yes, each ownership account is insured up to $250,000 per account holder by the National Credit Union Administration (NCUA) and is backed by the federal government. Accounts are insured up to an additional $250,000 by Excess Share Insurance (ESI), a subsidiary of American Share Insurance, the nation's largest private deposit insurer for credit unions.

Do you offer overdraft protection or courtesy pay?

Speak with a member of our Care Team to learn how to avoid overdraft fees.

Ready to get started?

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