Checking Accounts

Overview

  •  
Relationship Benefits Free Checking Premier Checking Alert Me
Over 100,000 surcharge-free ATM locations 10 free non-Hanscom FCU ATM transactions each month.1 Unlimited
Custom Hanscom Style Checks Free (One box per calendar year) Free (unlimited)
MemberPoints Bonus No 250 points per month2
Dividends No
Premier Certificate Rate No
Minimum daily balance to avoid monthly fee Free Checking Premier Checking Alert Me
Average Daily Balance Required (OR) None $2,000
Combined Savings & Loan Balance None $6,000
Monthly Fee None $9.95 if min. not met
Free Benefits Free Checking Premier Checking Alert Me
Online/Mobile Access
Online Bill Pay
Online Statements (seven years history)
TransferMoney
Online Check Images
ATM and Check Card with MemberPoints
Debit Rewards via MemberPoints
24/7 Call Center Access
Automated Telephone Teller
Deposit checks online with EasyDeposit
No direct deposit requirement
Hanscom Federal Credit Union ATMs
Thousands of CU Service Centers nationwide
Payday Perqs. You could get paid up to two days earlier with direct deposit
Optional Overdraft Protection
Federally Insured
  • 1First 10 network ATM transactions per statement period are free. Please use our locator to find over 100,000 surcharge free ATMs nationwide.
  • 2Earn 250 bonus MemberPoints when at least two purchase transactions in any amount made with your Hanscom FCU ATM & Check Card are posted to your account.Transactions must be posted to your account during the monthly statement period to qualify. Both signature and PIN transactions qualify. You must have a Premier Checking account to receive bonus points.

Free Checking Account

  • Free checks, online bill pay, mobile deposits.
  • No direct deposit requirement, no monthly service fee or minimum balance requirements
  • Enjoy an early payday with Payday Perqs. You could get paid up to two days earlier with direct deposit.
  • 10 non-Hanscom FCU ATM transaction per month with no network fee from us. (ATM owner may apply a surcharge.)
  • Rewards for every purchase whether you swipe or sign.

Premier Checking Account

  • Earn our highest dividend rate on your entire checking balance.
  • Exclusive Premier Certificate lets you earn great rates.
  • 250 bonus MemberPoints per month exclusively for Premier Checking.*
  • Unlimited non-Hanscom FCU ATM transactions with no network fee from us. (ATM owner may apply a surcharge.)

*Earn 250 bonus MemberPoints when at least two purchase transactions in any amount made with your Hanscom FCU ATM & Check Card are posted to your account. Transactions must be posted to your account during the monthly statement period to qualify. Both signature and PIN transactions qualify. You must have a Premier Checking account to receive bonus points.

Rates

Checking Account Rates

  •  Rates effective 09-24-2017
Dividend Rate APY Alert Me
Premier Checking 0.25% 0.25%1
Free Checking 0.00% 0.00%2
Open a Checking Account Online
  • 1APY = Annual Percentage Yield. No minimum balance requirements apply to this account. You must maintain an average daily balance of $2,000.00 or a combined average daily balance of $6,000.00 in any type of savings account or loan product to avoid a monthly fee. Rates are variable and may change after the account is opened. Fees may reduce earnings. Rate subject to change without notice. Please refer to the Disclosure for Personal Accounts for more information. For this type of account, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All Other dividend periods follow this same pattern of dates. The dividend declaration is the last day of the dividend period, and for the example above is January 31.
  • 2APY = Annual Percentage Yield. No minimum balance requirements apply to this account. First 10 network ATM transactions per statement period are free. Please use our locator to find over 100,000 surcharge free ATMs nationwide.

CU Thrive

  •  Rates effective 09-24-2017
Dividend Rate APY1 Alert Me
2.96% 3.00%
I want to get started. Call me.
  • 1APY = Annual Percentage Yield. No minimum balance requirements apply to this account. Rates for a CU Thrive Account are fixed for the full term (12 months) with a maximum contribution amount of $500 per month. You may schedule transfers up to $500.00 (minimum $5.00 ) each month from a Hanscom FCU checking account. This account will not automatically renew at maturity. There can only be one CU Thrive account open per membership. Please refer to the Disclosure for Personal Accounts for more information. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty. To get started click here, stop by any office or call our Member Services Department at 800-656-4328.

Reviews

Free Checking

Read Reviews

Premier Checking

Read Reviews

REVIEW SNAPSHOT®

by PowerReviews
HFCUFree Checking Reviews
 
4.7

(based on 115 reviews)

Ratings Distribution

  • 5 Stars

     

    (96)

  • 4 Stars

     

    (11)

  • 3 Stars

     

    (2)

  • 2 Stars

     

    (1)

  • 1 Stars

     

    (5)

98%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

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No Best Uses
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Reviewed by 115 customers

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5.0

Member since 1972

By 

from Boston, MA

Verified Buyer

Comments about HFCU Free Checking Reviews:

I've been s member since my father enrolled me in 1972. And I've stayed one since. HFCU has been there when I've needed them. It's that simple.

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5.0

Fast easy great competent customer service

By 

from Boston,Ma

Verified Buyer

Comments about HFCU Free Checking Reviews:

I have always had amazing interactions with HFCU. Every staff member I have spoke to has been very patient very knowledgeable and understanding
Lucia at the tip O'Neill branch
And Nina at the Bedford branch have always gone above and beyond

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5.0

Very impressive banking. Glad I'm a part of HFCU.

By 

from Billerica ma

Verified Buyer

Comments about HFCU Free Checking Reviews:

Great people and smart banking

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5.0

HELOC

By 

from Easton

Verified Buyer

Comments about HFCU Free Checking Reviews:

Lucia was fantastic, thanks a lot

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5.0

Exceptional service. Best value for your money

By 

from Bedford MA

Verified Buyer

Comments about HFCU Free Checking Reviews:

Staff are always helpful and friendly. Close to home.

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5.0

Great service

By 

from Nashua NH

Verified Buyer

Comments about HFCU Free Checking Reviews:

Great credit union

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5.0

Excellent security monitoring

By 

from Eatontown, New Jersey

Verified Buyer

Comments about HFCU Free Checking Reviews:

Outstanding security of account.

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5.0

Expert Customer Service

By 

from Gloucester, VA

Verified Buyer

Comments about HFCU Free Checking Reviews:

I have been a member of HFCU for over thirty years as a Federal employee, Government contractor employee and now a retiree. In addition to my primary account for checking and savings, I have had mortgage loans, personal loans and auto loans through HFCU. This organization has distinguished itself from other financial institutions in my experience by its expert personal customer service that I have enjoyed through the years - service that has made me truly feel like a trusted and valued member. There is a consistent and long-term staff and the organization is not subject to buy-out by other financial entities that would throw my personal business into a tailspin of new processes and rules. Most recently, I wanted to set up a second checking account under my primary member account. I was first advised to go on line and set up the account as though I was applying for a new account. The process was difficult and unwieldy especially when I had to set up new security questions and identifications for each authorized person under the account. These were both existing people under the account and there was no information to be provided that was not already in your system. I spoke with another CSR, Catherine, who understood my frustration with the overly complicated online process and who said she could make it much easier for me. She sent me PDF files of signature cards that had to be completed and faxed back and within twenty minutes, the account was set up, the checks were ordered and Catherine had transferred the funds from my primary checking to open the account. It was easy, personal and accurate. Please remember not to stray away from this level of first-rate, personal customer service in the interests of on-line automation. While I enjoy the convenience of on-line banking, I do not choose, for reasons of security and personal preference, to transfer every aspect of my life to a mobile device. Thanks for still providing that option to me.

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5.0

Easy to use

By 

from Woburn, MA

Verified Buyer

Comments about HFCU Free Checking Reviews:

Easy to use and reconcile.

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5.0

Best checking acct

By 

from Billerica

Verified Buyer

Comments about HFCU Free Checking Reviews:

I did everything online. It was super easy. Sara was knowledgeable and super nice. I was sold on all the ATM locations and getting my direct deposit early. Thanks, HFCU!

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REVIEW SNAPSHOT®

by PowerReviews
HFCUPremier Checking Reviews
 
4.9

(based on 13 reviews)

Ratings Distribution

  • 5 Stars

     

    (12)

  • 4 Stars

     

    (1)

  • 3 Stars

     

    (0)

  • 2 Stars

     

    (0)

  • 1 Stars

     

    (0)

100%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses
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Reviewed by 13 customers

Displaying reviews 1-10

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5.0

Working for me..,

By 

from Boston, MA

Verified Buyer

Comments about HFCU Premier Checking Reviews:

HFCU works for members, by providing exceptional products and support. I appreciate all of the programs they actively seek out and share with the goal of providing members the tools for financial empowerment

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5.0

Best rates around. Easy access branches.

By 

from Waltham, Ma

Verified Buyer

Comments about HFCU Premier Checking Reviews:

I've been to the Burlington branch and the Bedford branch. Two entirely different experiences. Both very different very positive and very efficient experiences. I wonder why I didn't open an account there earlier.
I had my ATM card the same day I opened the account.

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5.0

Excellent customer friendly

By 

from AL

Verified Buyer

Comments about HFCU Premier Checking Reviews:

Ms Helene was outstanding in helping me! Fantastic customer service.

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5.0

Great CD rates

By 

from Los Angeles

Verified Buyer

Comments about HFCU Premier Checking Reviews:

Special 4 yr CD rate one of the best in the country. People easy to work with when setting it up.

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5.0

Exception Service and Guidance

By 

from Williamsville NY

Verified Buyer

Comments about HFCU Premier Checking Reviews:

Allison and Stephanie from Hanscom, MA. were an absolute please to work with. More importantly they both guided me and gave me sound direction. I will always seek their guidance before moving forward with any banking decisions in the future. Hanscom should be proud to have these two ladies represent them.

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5.0

More than just a banking institution

By 

from Alfred, ME

Verified Buyer

Comments about HFCU Premier Checking Reviews:

I am so thrilled to be an HFCU member. In a recent difficult time when I had experienced fraudulent activity in my member account(s), HFCU was extremely responsive,and supportive from the very moment of my report. They immediately put a lock on my account to ensure that no additional activity could be transacted, opened up a new member account, provided me with recommended computer tech Support people whom I could provide me with cyber security analyis and cleanup of my computer, and within a very short few days,I was back in business. Throughout the whole ordeal, they kept me constantly informed of the status and progress of every phase that was completed until which time I was up and running with my new account which was less than a week from the time my computer deemed "cleaned" and "safe". I honestly felt like there was an army of people who was there for me and just me at a most frightening time. I realize there is more than great services and rates, to banking which was always part of the HFCU membership but there is also tremendous knowledge, support and responsiveness at critical times such as that I had experienced with my cyber security issue. Oh and by the way, I am now retired and living in Maine. When you mention "convenience", nothing was more convenient than not having to travel to Massachusetts to deal with this issue. I always felt as though HFCU was right up here in Maine working with me. It was the most comforting, satisfying and gratifying experienced I had ever been through with any institution. Thank you HFCU. I would not hesitate to recommend Hanscom Federal Credit Union to anyone that is looking for a great banking institution to sign up with or to switch over to.

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5.0

Great rate

By 

from Michigan

Verified Buyer

Comments about HFCU Premier Checking Reviews:

Good Employees. Nice to deposit in a credit union servicing the military!

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5.0

Collin was extremely helpful

By 

from newton

Verified Buyer

Comments about HFCU Premier Checking Reviews:

Collin was very helpful

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4.0

Great service

By 

from Woburn ma

Verified Buyer

Comments about HFCU Premier Checking Reviews:

Spencer is very personable and his knowledge of the products made my account opening simple.

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5.0

Convenient and easy to navigate!!

By 

from Ma

Verified Buyer

Comments about HFCU Premier Checking Reviews:

Great value, easy to use!!

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