Free Checking with High Interest and Rewards
|
45th Anniversary Rate Special
|
| Rate |
4.41%* |
| APY |
4.50%* |
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*% on balances up to 10k
|
We're celebrating 45 years! Earn 4.50% APY* for the rest of 2024.
Open a Totally Free Checking account today and enjoy 4.50% APY now through the end of the year (3.00% APY after the promotional period) along with rewards points when you use your Visa Check/Debit Card.
OPEN A FREE CHECKING
More Checking Account Benefits:
- No Minimum Balance & No Monthly Fees
- Unlimited Transactions
- Fraud Monitoring
- Card Controls
- Remote Check Deposits
- Automatic Bill Payments
- Free Online & Mobile Access
- Unlimited ATM Withdrawals
- Access to 75,000+ Surcharge-Free ATMs Nationwide
- 5,000+ Branch Locations
- Unlimited Check-Writing & Online Check Images
- Telephone Teller
Make the most of your Totally Free Checking every month
To earn 4.50% APY on Your High-Interest Checking Account:
- Enroll in My247 Digital Banking: Start managing your account easily online.
- Sign up for eStatements: Go paperless to save time and help the environment.
- Make at least 12 Debit/Check Card purchases: Use your card regularly each month.
- Deposit at least $500 electronically: Keep your account active with direct deposits.
To earn Rewards Points with Your VISA Debit Card:
- Use your card for signature-based purchases and rack up points daily.
- Redeem points for cash or gift cards from the VISA Rewards Catalogue.
- Questions about rewards point redemption? Call the Awards Redemption Center at 855.854.5493.
Ready to Open an Account?
Visit a branch, call us at 800.942.0158, or send us a product inquiry email.
Checking:
*Funds are insured up to $500,000. Funds are federally insured up to $250,000 by the National Credit Union Administration (NCUA). An additional $250,000 is insured by Excess Share Insurance (ESI), a subsidiary of American Share Insurance, the nation’s largest private deposit insurer for credit unions. APY = Annual Percentage Yield. Business Checking accounts are not eligible for the high interest return. The Dividend Rate and APY listed is effective 10/1/2024-12/31/2024, and subject to change anytime thereafter. No minimum balance required to earn the 4.50% APY. Monthly requirements to earn 4.50% APY: Direct deposit equal or greater than $500, a minimum of 12 Debit/Check Card transactions per month (Pending transactions and ATM transactions not included), enroll in My247, login once monthly, and consent to receive e-Statements. Balances up to $10,000 will earn the stated rate and the portion of the balance over $10,000 will not earn dividends. Fees could reduce earnings. Terms and conditions may apply.
Visit hacu.org and use the ATM & Branch Locator on our home page to find an ATM or Branch near you. Please note that you will need your Account Number and a valid photo ID to visit a shared branch and we advise calling ahead to verify their hours. Shared branch facilities are equipped to handle standard transactions. Fees may apply for other services. Surcharge-Free ATMs are available through Allpoint, STARsf, Alliance One, Pulse/MoneyPass networks. These networks may overlap and are subject to change at any time.
Rewards Points on signature-based credit and debit card purchases. Cash advances, PIN and POS transactions, gambling and car dealership purchases are not eligible. Earn one point for every four dollars spent. Gift cards and cash awards are distributed through Rewards points powered by Extra Rewards
