Checking
- 360 Secure Checking
- Basic Checking
- Youth Checking
- Convert to HFCU 360 Secure Checking
- Convert to HFCU's Basic Checking
- Direct Deposit
- Send Money with Zelle®
- Remote Deposit Anywhere
- Visa® Debit Card
- Card Fraud Prevention Service
- Overdraft Protection Plans and Opt-In
HFCU’s 360 Secure Checking has many value-added benefits and features that will enhance your financial and personal well-being, and only for a monthly service charge of $6.00!*
★ In addition to these value-added benefits, members do not have to wait until pay day, and can receive their money up to two days earlier with HFCU’s Direct Deposit.
Value-Added Benefits are Available to Primary and Joint Account Owners1
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IDProtect® Identity Theft Monitoring and Resolution Service1 – Help better protect yourself and your joint account owners with our identity theft monitoring and resolution service that includes credit file monitoring, access to credit report and scores2, monitoring of over 1,000 public databases, identity theft expense reimbursement, fully managed resolution services, and more. |
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Cellular Telephone Protection3 – Receive up to $800 of replacement or repair costs if your cell phone is stolen or damaged. Up to two claims and maximum of $1,000 per eligible account, per twelve-month period. Covers up to four phones on a cellular telephone bill. (Cellular telephone bill must be paid using your 360 Secure Checking account or other HFCU checking, savings or credit card account.) |
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Telehealth4 – Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with urgent care or mental health for you and your family — all with zero copays. (registration/activation required) |
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Roadside Assistance Service3 – 24-hour coverage for roadside assistance services, including lock-out, tire and battery assistance, vehicle towing, fuel, oil, fluid and water delivery, up to $100 per occurrence. Maximum of two occurrences per twelve month period. |
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Fuel Savings5 – Register for the Fuel Rewards® program and save 5¢/gal on every fill-up at participating Shell stations with Extended Gold Status. Simply enter your phone number or Alt ID at the pump to see the savings instantly. |
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RideShare Protection3 – Up to $100,000 of accidental death and dismemberment coverage and $10,000 of accident medical expense benefit if injured while traveling in a vehicle operated by a Transportation Network Company, as defined in the insurance certificate. Coverage also includes up to $250 personal property benefits for replacement of property stolen, damaged, or destroyed due to an accident while traveling in a vehicle operated by a Transportation Network Company. Not Available to Residents of MO, NY and WA. (Travel costs for rideshare must be paid for using your 360 Secure Checking account or a credit card issued by HFCU.) |
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Travel and Leisure Discounts6 – Money-saving discounts from thousands of local and national businesses – redeem and print coupons online or access discounts from a mobile device. (available via mobile or web only) |
| ☑ Standard Features |
|---|
| ✓ Visa® Debit Card and Card Fraud Protection Service |
| ✓ Online Bill Pay7, Online and Mobile Banking8, and Remote Deposit Anywhere8 |
| ✓ CO-OP Shared Branch and ATM Network |
| ✓ Statements – Electronic9 |
| ✓ Overdraft Protection Available |
| ✓ Direct Deposit |
| ✓ Dividends10 |
| ✓ Zelle® |
Rates Below Effective: December 1, 2024 and are Payable January 1, 2025
360 Secure Checking Rate
| Type | Dividend Rate | APY* |
|---|---|---|
| 360 Secure Checking | 0.05% | 0.05% |
*APY=Annual Percentage Yield. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5. Must be eligible for membership. Checking account requires a minimum opening deposit of $25.Other terms and conditions may apply. HFCU 360 Secure Checking has a monthly service charge of $6. Estimated value is based on approximate monthly costs or savings for similar marketplace benefits and are subject to change. Benefits and features may vary and may not necessarily reflect the exact features offered through 360 Secure Checking. No cash value is implied with the use of this account or any of its features.
1Benefits are available to personal checking accounts and their primary account owner and joint account owner(s) subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
2You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on TransUnion data. Third parties may use a different type of credit score to assess your creditworthiness.
3Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit.
Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.
4Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.
5Restrictions apply.
6Discount offer may vary depending on the provider.
7Bill 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.
8Must 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.
9Paper Statements available – $3.00. Age 65+ No Charge for Paper Statements.
10Dividend rates are subject to change monthly. Fees and other conditions could reduce the earnings on the account.