Checking Accounts

A checking account that not only costs you less, but earns you more, can be found at HCFCU. Stop spending money on fees or service charges. At HCFCU, we feel a no-cost checking account is your right, not a privilege. We offer you two choices:

Classic Checking

Requires no minimum balance and does not limit you in the number of transactions each month. And you will also enjoy no monthly fees or service charges. You only pay for the cost of printing your checks!

Gold Checking

You'll earn dividends on this account if you maintain a $750 minimum average monthly balance. Plus, if you maintain a minimum balance, you'll enjoy no monthly fees or service charges.

Overdraft Protection

This convenient service can help you avoid the embarrassment of accidentally bouncing a check – and the costly overdraft charges that come with it by offering you several options. Overdraft protection will automatically pay your overdrawn checks up to your approved credit limit. You may be covered by a line of credit loan, a transfer from your savings account, or our convenient Courtesy Pay.

It is convenient, safe and automatic.

Fees may apply. Please refer to the individual disclosures for details.

CHECKING APPLICATION

Re-Order Checks

Time to order more checks? Do it the easy, convenient way…just click on the link below!

Clarke American Check Printers	Liberty Check Printers

VISA Debit Card

Access your HCFCU checking account with your VISA Debit Card wherever VISA is accepted. Your card is swiped like a credit card, but your purchases are deducted right from your Health Care Family Credit Union checking account. You will receive a monthly statement of all your transactions.

DEBIT CARD APPLICATION

ATM Card

Whether you're running errands around town, traveling across the state to visit family, or circling the globe, you can't beat the convenience of an HCFCU Automated Teller Machine (ATM) Card. With an HCFCU ATM card you can make financial transactions 24 hours a day, seven days a week. You can use your HCFCU ATM Card at more than 25,000 ATM locations worldwide. These machines can be found at shopping malls, stadiums, airports, and convenience stores. Members can withdraw or transfer funds, inquire about account balances, and make deposits. Just look for an ATM displaying one of these logos. Click on a logo now to locate an ATM near you.

ATM CARD APPLICATION

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Online Services

Virtual Branch Online Banking

Handle all your credit union business quickly and easily from the convenience of your home or office with our secure Virtual Branch Online Banking. This service is FREE if you enjoy the convenience of Direct Deposit.

It’s safe, secure and convenient.

• Transfer funds between your HCFCU accounts
• Check your account balance
• Review your account history
• Make loan payments

Go to the Virtual Branch

Online Bill Pay

You can also pay your bills quickly and conveniently online with our PayIT Online Bill Pay. It’s safe, secure, and a great time saver! This service is FREE if you have any current loan at the credit union and enjoy the convenience of Direct Deposit. If you do not have these services, please refer to the fee schedule for details.

Go to the Virtual Branch

Statline Touchtone Banking

Enjoy 24-hour access to your accounts with the Statline Touchtone Banking. Get up-to-date information on balances, verify check clearings, make loan payments, transfer funds between your HCFCU accounts and more.

Please refer to the Statline Touchtone brocure for information on how to access this service.

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Direct Deposit and Payroll Deduction

With Direct Deposit, your paycheck, Social Security or other government check is automatically deposited in the credit union account(s) of your choice. There is no need to make special trips to the credit union each month to make your deposits. And you never have to worry about lost or stolen checks!

Payroll Deduction* lets you automatically make deposits to your checking and savings account, Christmas Club, IRA, and other family member accounts. You may also make monthly loan payments with Payroll Deduction.

Both Direct Deposit and Payroll Deduction are free for HCFCU members.

• Certain restrictions apply. Contact the credit union for details.

Additional Services

The credit union also offers the following services for your convenience:

• Money Orders
• Travelers Cheques
• Cashiers Checks
• Wire Transfers
• Notary Services
• Accidental Death and Dismemberment Insurance
• Mechanical Breakdown Insurance
• GAP Insurance

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