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Checking Accounts

 

 

Get automatic transfers from your checking. 2.00% APY* ON BALANCES UP TO $25,000 IF QUALIFICATIONS ARE MET   0.01%  APY* ON BALANCES, EVEN IF QUALIFICATIONS ARE NOT MET Call 303-451-1146 for more information. Kasasa Take Back Banking

 

 

 

Kasasa® Monthly Qualifying Cycles Schedule 

 

Kasasa® Truth-In-Savings Disclosure  

 

*APY=Annual Percentage Yield. APYs accurate as of 3/1/23.

Apply for Membership

or Call: 303.451.1146

Regular Checking

Our Regular FREE checking account lets you access your money easily. Our Regular Checking Account Features:

  • FREE Online Banking
  • FREE Mobile Banking*
  • FREE QwikSnap Deposit – Remote Deposit Capture
  • FREE Online Statements
  • FREE Text Banking
  • FREE 12/24 Phone Bank
  • FREE Transactions at 30,000+ CO-OP Network ATMs
  • FREE Transactions at 5,000+ Shared Branches Nationwide
  • No Monthly Debit Card Fees

Interest-Bearing Checking

Our Interest-Bearing Checking account is free as long as you maintain a $500 minimum balance**. Not only do you earn a great rate on your balance you will receive all the benefits of having your checking account with HNCU:

  • Dividends paid on balances $500+
  • No fees or monthly service charge if minimum balance maintained
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE Mobile Banking*
  • FREE QwikSnap Deposit – Remote Deposit Capture
  • FREE Direct Deposit
  • FREE Online Statements
  • FREE Text Banking
  • FREE 12/24 Phone Bank
  • FREE Unlimited Check Writing
  • FREE Transactions at 30,000+ CO-OP Network ATMs
  • FREE Transactions at 5,000+ Shared Branches Nationwide
  • No Monthly Debit Card Fees

Business Checking

Our Business Checking account lets you access your money easily. You will receive a free VISA® debit card and can manage your business account online or with your smartphone.

 

  • FREE Online Banking
  • FREE Mobile Banking*
  • FREE QwikSnap Deposit – Remote Deposit Capture
  • FREE Online Statements
  • FREE Text Banking
  • FREE 12/24 Phone Bank
  • FREE Transactions at 30,000+ CO-OP Network ATMs
  • FREE Transactions at 5,000+ Shared Branches Nationwide
  • No Annual  Debit Card Fee

 

Monthly Business Account Fees

  • Maintenance Charge
  • $5
  • Maximum Charge
  • Unlimited
  • Telephone Banking
  • Free
  • Fee per Check or Withdrawal/Debit
  • First 200 debits/credits are free then $0.25/per item
  • Fee per Deposit/Credit Item
  • First 200 debits/credits are free then $0.25/per item
  • Debit Card
  • Free
  • Internet Banking
  • Free
  • Monthly Statement
  • Free eStatement
    $5 monthly fee for paper statement
  • Overdraft Transfer Fee
  • $10.00 per transfer
  • Returned Deposit Fee
  • $15/non-account owner, $35 account - Per Item
  • Returned Deposit Fee- Self to Self
  • $35
  • Currency/Rolled Coin orders
  • FREE if (thousand ordered, $1.00/thousand)
    $1,000, and $0.10 per roll for coin
  • NSF Fee*
  • $35 Per Item
  • Stop Payment Fee
  • $35 Per Item
  • Month-to-Date Account History Account Fee
  • $5
  • Account Reconciliation Fee
  • $30/hour
  • Statement Copy Fee
  • $5 Per Statement
  • Check Copy Fee
  • $5
  • Outgoing Wire Transfer Fee
  • $20 Domestic, $35 International
* Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.  For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

Merchant Services

HNCU has proudly partnered with Total Merchant Concepts (TMC) because of their integrity and commitment to provide excellent service. They offer no long-term contracts and competitive rates with low set-up costs.  Use button below to request more information about TMC. 

 

Merchant Services Image of mobile device and card reader

More Information

*Standard message and data rates apply to mobile banking. ** $10.00 monthly fee charge when balance below $500. ***

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