No Matter What Type of Checking Account You Need, You've Come to the Right Place
Whether you're looking for a spending account that offers perks, rewards, and loan discounts, or just need an everyday account that provides the essentials to do banking your way, we’ve got you covered with our Premier Checking or Classic Checking.
It's Easy to Get Your $500* Bonus:
1. Open Your First Checking Account
Open your first new HVCU Classic Checking or Premier Checking with an HVCU Visa® Debit Card. Not sure which is a better fit? Compare accounts on our website.
2. Sign up for Online Banking
Effortlessly track your balances and manage your finances with Internet Banking and Mobile Banking anytime, anywhere – day or night.
3. Enroll in eStatements
Go paperless—set up eStatements and get details on your accounts several days sooner than paper statements. Note: eStatements go by Electronic Documents in Internet Banking and Mobile Banking.
4. Start
Spending
Make $1,500 in transactions within the first 90 days of account opening OR $1,500 in direct deposits within the first 90 days of account opening.
Get Even More with a Premier Checking Account
Premier Checking offers a host of great benefits to enhance your banking experience:
- Exclusive Rate discounts on auto loans and home equity lines of credit
- Additional HVCU Rewards! bonus points when you use your HVCU rewards credit card**
- Higher dividend rates
View a complete list of all the features and benefits to help you determine if Premier Checking is right for you.
Important Legal Disclosures & Information
* Terms and Conditions applicable to $500 Bonus Checking Account Offer, valid from 9/30/2024 to 12/4/2024.
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 9/30/2024. 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 ninety (90) calendar days to meet the requirements to receive bonus. HVCU will deposit the $500 bonus into the account holder’s new checking account within five (5) business days after the completion of the ninety (90) calendar day qualification period, so long as the account holder fulfills each of the following three qualifications:
- Open your first checking account with HVCU Visa Debit Card;
- Enroll in Internet Banking and/or Mobile Banking services AND enroll in eStatements;
- 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.
Residents of Albany, Columbia, Greene, Rensselaer, Saratoga, and Schenectady Counties: This promotional offer is valid for current members and applicants that meet the above criteria. Only one bonus of $500 will be deposited to the new checking account within five (5) business days after the qualification period. 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 or modify this promotion at its discretion at any time and without further notice provided to you. Promotional offers cannot be combined.
** Cardholders will earn HVCU Rewards! (“Points”) for purchases of all eligible goods and services using the participating financial institution’s (Hudson Valley Credit Union or HVCU) rewards card (“Card”). Points are deducted for returns. No Points are earned for finance charges, fees, cash advances, convenience checks, ATM withdrawals, PIN-based transactions, foreign transaction currency conversion charges or insurance charges posted to your account.