Keep more money in your pocket, and more time on your hands, with our free, convenient Checking account. With nationwide account access, robust digital banking and Debit Card controls; it's money management...made simple. You can open a Checking with as little as $25.
- No Monthly Service Fee
- Online and Mobile Banking with Free Bill Pay
- Control Spending and Prevent Fraud with the CardValet App
- Add Your Visa Debit Card to Apple Pay, Google Pay or Samsung Pay
- Fee-Free Withdrawals at 55,000 CO-OP ATMs Nationwide (2,000 in NJ)
- Access to 5,000+ Shared Branch Locations Nationwide
- Receive Real-Time Transaction Alerts with VISA Purchase Alerts
- No Minimum Balance Requirement
- Overdraft Protection is available
- Dividends Paid Quarterly (on qualifying balances)
Complete and mail the VISA Debit Card application with your initial deposit of $25.00 or more, or stop by the credit union today!
Complete Card Control
CardValet® helps you control your Debit Card, making it easy to set alerts and manage your finances on the go. Download from the App Store or Google Play.
- Turn your cards on or off, in an instant, for any reason
- Control transactions by category or by dollar amounts
- Easily set, customize and modify purchase alerts
- Set spending limits for general use or specify thresholds by merchant type; such as gas, groceries or retail stores
- Set controls by geographic location
Deposits Made Easy
You can conveniently make deposits to your Checking account in person, by mail, with Mobile Deposit in the mobile banking app, with Direct Deposit or Payroll Deduction, at deposit-taking ATMs, or by using Bill Pay or transfer services from another Financial Institution.
If you are traveling outside of the United States, please call us in advance at 1-800-624-3312 to have uninterrupted access to your HEFCU debit and/or credit card for the dates you will be traveling!
Note: A $10 balance must be maintained in a Primary Savings Account at all times. All new Checking Accounts are verified via ChexSystems, Inc.