FAQs

A checking account is a bank account designed for daily, high-frequency transactions, such as paying bills, making purchases, and receiving direct deposits. It provides easy access to funds via debit cards, ATMs, checks, and online banking. Unlike savings accounts, they rarely earn interest and are designed for spending. At HRCU, we refer to checking accounts as “Share Draft” accounts. 

There is a $3 fee on Checking accounts (Share Draft accounts), but this fee will not be charged if the member utilizes e-Statements, does a monthly direct deposit of $25 or more, or has a combined savings of $5,000 or more in the account. Please refer to our Fee Schedule for the most up-to-date information.

Yes, you can get overdraft protection at HRCU. Overdraft protection means that if you accidentally overdraw your account, money will be transferred from another account that you have with us. To sign up for overdraft protection, please complete the attached form on our Forms Page.

Because people sometimes write fraudulent checks, we do find it necessary at times to place holds on checks. Our Funds Availability policy allows for a case-by-case hold. We will always give you access to your funds as soon as we can.

If a check is lost or stolen, call the credit union immediately and report this to a Member Service Representative.

Checking Accounts are free if the member utilizes e-Statements, does a monthly direct deposit of $25 or more, or has a combined savings of $5,000 or more in the account. Otherwise there is a $3 monthly fee for Checking Accounts. Please refer to our Fee Schedule for the most up-to-date information. 

Order Checks Here

There are several options for placing a stop payment on a check. You can use Digital Banking (Services > Stop Payment), call a branch, or visit a branch/use video banking.

We must have your request for the stop payment before the check is presented for payment – if we’ve already accepted the check it is too late to place a stop pay.