It’s easy:
- Open a new HVCU Premier or Classic Checking Account with a Visa Debit Card
- Sign up for Internet Banking & eStatements
- Spend a minimum of $1,500 with your new Debit Card OR make $1,500 in direct deposits into your new account within the first 90 days
Whether you’re looking for an account with extra perks, rewards, and loan discounts, or simply an everyday account that caters to your banking needs, we have you covered. Compare our two eligible checking accounts below.
Compare Checking Accounts
| Features and Benefits | Classic Checking | Premier Checking* |
|---|---|---|
Earns HVCU Rewards! 1 with your Visa Debit Card |
Yes
|
Yes
|
| Direct Deposit | Optional
|
Required to waive monthly fee2
|
| Free Bill Pay | Yes
|
Yes
|
| Overdraft Protection 3,4 | Yes
|
Yes
|
| Free Checks for Members 65 or Older5 | Yes
|
Yes
|
| Rewards | Classic Checking | Premier Checking* |
|---|---|---|
| Vehicle Loan Rate Discount | _
|
0.25%6
|
| Home Equity Line of Credit Rate Discount | _
|
0.25%6
|
| Earn Bonus Credit Card Rewards | _
|
Additional 25% monthly7
|
| Mortgage Origination Credit | $0
|
$3508
|
| Fees | Classic Checking | Premier Checking* |
|---|---|---|
| Incoming Wire Transfer Fee | $12.50
|
Waived
|
| Free Transactions at Non-HVCU ATMs Per Month9 | Up to 12
|
Unlimited
|
| Minimum Balance Requirement | $0
|
$03
|
| Monthly Fee | $0
|
$153 To avoid this fee, you must maintain a combined average daily share balance of $15,000 or more and aggregate monthly direct deposit(s) of $1,000.10 |
| Expedited Shipping for Debit or Credit Cards | CU Cost
|
Waived
|
We Are Here to Help
Important Legal Disclosures & Information
* Terms and Conditions Applicable to $400 Bonus Checking Account Offer, valid from 10/2/2023 to 12/31/2023.
The Annual Percentage Yield (APY) for a Classic checking account is 0.02% and a Premier checking account is 0.05%, and rates are accurate as of 9/1/23. Rates are variable and subject to change after account opening. There is no minimum balance to open the account or earn the stated APY. Fees or other conditions could reduce earnings.
Account holder has 90 calendar days to meet the requirements to receive bonus. HVCU will deposit the $400 bonus into the account holder’s new checking account within five business days after the completion of the 90 calendar day qualification period, so long as the account holder fulfills each of the following three qualifications:
- Open a new checking account with HVCU Visa Debit Card (must be requested at time of account opening);
- Enroll in Internet Banking and/or Mobile Banking services and enroll in e-statements;
- Use your new HVCU debit card and spend a minimum of $1,500 using the new checking account OR sign up for qualifying direct deposits with a cumulative minimum of $1,500 into your new checking account. A “qualifying direct deposit” is a direct deposit of regular monthly income, such as your salary, pension, or Social Security benefits, which are made by your employer or other payer, using account and routing numbers that you provide to them. Examples of non-qualifying direct deposits and transfers include: your initial ACH deposit to open the account, teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, or Internet or Mobile banking transfers or deposits. Offer subject to member verification.
Only one bonus of $400 will be paid to the primary checking account owner. This must be your first HVCU checking account to qualify for this bonus. Only Personal Classic and Premier checking accounts are eligible for this offer. Members under the age of 18 are not eligible to receive this bonus. No exceptions will be made or considered. Account must be in good standing and the qualifications satisfied to receive bonus. Good standing means you have on deposit at least the par value of one full share ($0.01) in the regular share savings account, have no delinquent loans (payment is not more than 30 days late), and have a positive balance in all share accounts. May be subject to IRS reporting; please consult your tax advisor. HVCU expressly reserves the right to terminate this promotion at its discretion at any time and without further notice provided to you.