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Basic Checking

HFCU’s Basic Checking has all the standard features, and a $0 monthly service fee without the value-added benefits of 360 Secure Checking.*


Standard Features

  • Visa® Debit Card and Card Fraud Protection Service
  • Online Bill Pay1, Online and Mobile Banking2, and Remote Deposit Anywhere2
  • CO-OP Shared Branch and ATM Network
  • Statements – Electronic3
  • Overdraft Protection Available
  • Direct Deposit
  • Zelle®



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*Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit in order to become a member and obtain any product or service.

1Bill pay is free provided the service is used at least once every three months; otherwise a $3.00 monthly fee (subject to change) may be assessed.

2Must have compatible device to use online banking or mobile application. Mobile App Requires iPhone® with iOS 16.0 or above. Requires Android 12.0 or above. Standard rates and fees may apply from your wireless carrier. For Remote Deposit Anywhere, all funds may not be immediately available after the deposit is made.

3Paper Statements available – $3.00. Age 65+ No Charge for Paper Statements.