HMEFCU Checking Accounts
Are you looking for a checking account? At HMEFCU, you have choices. There are six different checking accounts - each one with specific needs in mind. Take a look and see which checking account is right for you.
Classic Checking Silver Checking Bonus Checking (55+)
Second Chance Checking Business Checking VIP Checking
Classic Checking
If you are looking for a checking account that is easy to use and is packed with free benefits, check out Classic Checking.
Free first Box of checks(traditional
checks/1box of 150)- Automatic Overdraft Protection from
savings account - Low cost service charge if balance falls
below $250 - Ability to write unlimited number of checks
- Free Bank by phone (MUNI 24-Hour Teller)
- Free PC Banking access
- No loan application fees (except mortgage loans)
- No annual fees on VISA Credit Cards
- Low interest rates on VISA Credit Cards
- Direct Deposit available
- LOC available for checking accounts
- Accounts Federally insured to $100,000.
- Free eStatements Available
- Visa Check Card available
Silver Checking
If you are looking for a checking account that is packed with convenience and free benefits check out our Silver Checking.
- Direct Deposit, Payroll or Minimum $200 payroll deduction required.
- Free VISA Check Card
- Free first Box of checks(traditional checks/1 box of 150)
- Automatic Overdraft Privilege up to $200
- Ability to write unlimited number of checks
- Interest Bearing
- Free Bank by phone (MUNI 24-Hour Teller)
- Free PC Banking access
- No loan application fees (except mortgage loans)
- No annual fees on VISA Cards
- Low interest rates on VISA Cards
- Automatic savings deposit distribution available
- LOC available for checking accounts
- Accounts Federally insured to $100,000.
- No monthly Service charge.
- Free estimates available.
Bonus Checking (55+)
If you are 55+ years young and looking for a checking account with convenience and free services galore, check out our Bonus Checking Account.
- VISA Check Card Free
- Free Pos transactions
- Free ATM cash withdrawals transactions (ATM surcharge fees apply)
- Free first box of traditional checks
- Automatic Overdraft Protection from savings account
- No Monthly Service Charge
- Interest Bearing
- Free Bank by phone (MUNI 24-Hour Teller)
- Free PC Banking access
- No loan application fees (except mortgage loans)
- No annual fees on VISA Credit Cards
- Low interest rates on VISA Credit Cards
- Direct Deposit available
- LOC available for checking accounts
- Accounts Federally insured to $100,000.
- Free E-Statements available
Second Chance Checking
This checking account with direct deposit provides the freedom of unlimited transactions, a second chance checking with an ATM card.
- Direct Deposit required
- Free first Box of checks (traditional checks/1box of 150)
- Automatic Overdraft Protection from savings account
- ATM Card
- Low cost service charge if balance falls below $250
- Ability to write unlimited number of checks
- Free Bank by phone (MUNI 24-Hour Teller)
- Free PC Banking access
- No loan application fees (except mortgage loans)
- No annual fees on VISA Credit Cards
- Low interest rates on VISA Credit Cards
- LOC available for checking accounts
- Accounts Federally insured to $100,000.
- Free E-statements available
(This is code 4 from Telecheck- direct deposit mandatory/acct reviewed monthly
for NSF’s)
Business Checking
This checking account provides easy checking for any small business.
- ATM Card
- Automatic Overdraft Protection from savings account
- Free E-Statements available
- Free PC Banking Access
- Free Bank by Phone (Muni 24-Hour Teller)
- Low interest rates on VISA Cards
- No annual fees on VISA Credit Cards
- LOC available for checking accounts
- Ability to write unlimited number of checks
- Low cost service charge if balance falls below $250
- Interest Bearing
VIP Checking
If you are looking for a checking account, you won’t have to carry a checkbook or a large amount cash around, check out our VIP Checking account.
- Free VISA Check Card
- Free Pos transactions
- Free ATM cash withdrawal transactions (ATM surcharge fees apply)
- Automatic Overdraft Protection from savings account
- Overdraft Privilege up to $500
- Ability to write unlimited number of checks
- Interest Bearing
- Free Bank by phone (MUNI 24-Hour Teller)
- Free PC Banking access
- No loan application fees (except mortgage loans)
- No annual fees on VISA Credit Cards
- Low interest rates on VISA Credit Cards
- Direct Deposit Payroll or Minimum $500 payroll deduction required
- LOC available for checking accounts
- Accounts Federally insured to $100,000.
- Free E-statements available
