Heritage Federal Credit Union offers several different checking choices to meet your specific needs. Plus, we make switching to HFCU easy with our convenient Switch-Kit. You can also reorder checks online.
Whether you're a checking account rookie or pro, use our Checking Account Coach to learn about these topics:
- The basics of checking accounts
- Protecting yourself from check fraud
- Keeping track of what's in your account
- Saving time and money with your checking account.
Earn 100 Bonus Points with a New Checking Account!
Point2Point Rewards With Your Checking
You won’t find another financial institution in this area with a program like Point2Point Rewards. When you have an HFCU checking account and Express Check debit card, you earn points and rewards when you use your debit card for qualified purchases.
- Earn one reward point for every two dollars of qualified purchases on your debit card.
- Redeem points for fun stuff like downloadable music, merchandise, gift cards, non-restrictive travel and cash back.
- Combine debit card and Visa points for even greater rewards.
- When you have an HFCU Express Check debit card, you're automatically enrolled in Point2Point Rewards.
Free Access Checking
If you’re looking for totally FREE checking, this is it.
- Relax with our no minimum balance requirement.
- Pay no monthly fees or per check charges.
- Access account for free through our online banking, banking by phone or check card.
- View online check images with Online Banking.
Merit Checking
If a checking account's earning power is important to you, then you want Merit Checking.
- Maintain a $500 balance, earn .50% APY.
- Keep a $1,000 balance and earn .75% APY.
- Pay no per check charges, and no monthly fees when you maintain a $500 balance.*
- View online check images with Online Banking.
Future Advantage Checking
To help our young adult members get off on the right financial foot, we offer the Future Advantage Checking account for members age 24 and under. It's absolutely no service charge checking.
- Pay no check-writing fees.
- Pay no foreign ATM fees.
- Earn dividends on your account, no matter what the balance.
- Receive your first box of checks free (selected design).
- Check out Guides to Independence for info on how to manage money.
- View online check images with Online Banking.
Prime Advantage Checking
At HFCU we offer the Free Prime Advantage Checking account for members age 50 and better. It's our way of giving back to those who've given so much to family, jobs, community and country.
- Enjoy no service charge checking.
- Earn dividends on your account, no matter what the balance.
- Pay no per check charges.
- Receive free printed checks (selected design).**
- Pay no foreign ATM fees.
- Obtain free single party traveler's checks.
- Receive free money orders or cashier's checks (two per visit)
- View online check images with Online Banking.
Checking Extras
All of our checking accounts offer these value-added perks of membership.
Free Express Check Card Extras
- Use anywhere Visa® debit cards are accepted.
- Have payments deducted directly from your checking account.
- Use an ATM card.
- Earn points redeemable for merchandise, gift cards, cash back and more through the Point2Point Rewards program.
- Eliminate the time spent writing checks.
Fraud Scout
Fraud Scout is a program built to protect you from credit and debit card fraud by detecting activity outside of your normal spending patterns. Read these Frequently Asked Questions for more information about Fraud Scout and how it works.
*Merit Checking assesses a $5 monthly fee if the balance falls below $500 at any time in a month.
** For Prime Advantage check reorders placed online, HFCU will cover third class postage only. First class postage will be charged to the Prime Advantage account.
***With e-statements, Bill Pay is free. Without e-statements, Bill Pay is $5.95 monthly for unlimited transactions.
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