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 07-25-2017
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 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 07-25-2017
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
 
4.6

(based on 106 reviews)

Ratings Distribution

  • 5 Stars

     

    (87)

  • 4 Stars

     

    (11)

  • 3 Stars

     

    (2)

  • 2 Stars

     

    (1)

  • 1 Stars

     

    (5)

97%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses
    • Convenience:
    •  
    • Ease of opening/use:
    •  
    • Value:
    •  
    • Rate and Terms:
    •  

Reviewed by 106 customers

Displaying reviews 1-10

Back to top

Previous | Next »

 
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!

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  
 
5.0

Easy to use

By 

from Boston ma

Verified Buyer

Comments about HFCU Free Checking Reviews:

Branch was great to work with, and online access is very easy.

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  
 
5.0

Fast, easy, informative

By 

from Billerica

Verified Buyer

Comments about HFCU Free Checking Reviews:

Hanscon Billerica. Pleasant, excellent service

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  
 
5.0

Fast and efficient

By 

from Beverly MA

Verified Buyer

Comments about HFCU Free Checking Reviews:

I enjoy dealing with HFCU. The focus on the customer is terrific and much appreciated.

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  
 
5.0

People go out of their way to help you

By 

from Hanscom, MA

Verified Buyer

Comments about HFCU Free Checking Reviews:

The employees of the Hanscom Branch--of which I've met several, all with different jobs and places in the network banking strata--are always so helpful and kind.

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  
 
5.0

Fantastic Credit Union

By 

from Boston, MA

Verified Buyer

Comments about HFCU Free Checking Reviews:

I was provided assistance by Sarah. She is a fantastic representative and a wonderful person! She is very knowledgeable of the Hanscom products and she knows how to present information patiently and with tact! Wonderful job!

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  
 
5.0

Opening an account On-Line

By 

from The Villages, FL.

Verified Buyer

Comments about HFCU Free Checking Reviews:

I found that enrolling online was easy. Only thing that confused me was when I had to choose what type of account to pick for my savings account. My bad but I didn't see "savings account". It was instead "Primary (something)".

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  
 
5.0

Always wonderful with Bill in Bedford!!!

By 

from Waltham, MA

Verified Buyer

Comments about HFCU Free Checking Reviews:

I have already submitted. But we ar extremely happy with the guidance, ease of accessibility and friendlly attention we always receive from Bill at Bedford office. He is so knowledgeable, patient and guides us to make good financial decisions.

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  
 
5.0

So Happy to be a member of Hanscom Federal Crediit Union!

By 

from Chelmsford, Massachusetts

Verified Buyer

Comments about HFCU Free Checking Reviews:

Great Customer Service.

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  
 
5.0

Great Bank

By 

from Salem NH

Verified Buyer

Comments about HFCU Free Checking Reviews:

Very professional I will be telling all of my friends about your services

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  

Displaying reviews 1-10

Back to top

Previous | Next »

REVIEW SNAPSHOT®

by PowerReviews
HFCUPremier Checking Reviews
 
4.9

(based on 8 reviews)

Ratings Distribution

  • 5 Stars

     

    (7)

  • 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
    • Convenience:
    •  
    • Ease of opening/use:
    •  
    • Value:
    •  
    • Rate and Terms:
    •  

Reviewed by 8 customers

Displaying reviews 1-8

Back to top

 
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.

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  
 
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!

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  
 
5.0

Collin was extremely helpful

By 

from newton

Verified Buyer

Comments about HFCU Premier Checking Reviews:

Collin was very helpful

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  
 
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.

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  
 
5.0

Convenient and easy to navigate!!

By 

from Ma

Verified Buyer

Comments about HFCU Premier Checking Reviews:

Great value, easy to use!!

  • Convenience:
  •  
  • Ease of opening/use:
  •  
  • Value:
  •  
  • Rate and Terms:
  •  
 
5.0

opening a checking account

By 

from Boston,MA

Verified Buyer

Comments about HFCU Premier Checking Reviews:

Gert and the staff at the Tip Oneill Building branch were extremely helpful. They took a personal interest in making sure that I was able to use my account on-line as well.

  • Ease of opening/use:
  •  
  • Value:
  •  
 
5.0

Dedicated Member

By 

from Not Disclosed

Verified Buyer
Site Member

Comments about HFCU Premier Checking Reviews:

I joined HFCU in 1962, when I first was a Federal Employee. HFCU served me well back then, and is serving me even better now with all your new applications. Keep it up HFCU. You and I have been together longer than I've been with my husband (lol)! Regards, Gale E. Nikolopoulos

 
5.0

Premier Checking

By 

from Not Disclosed

Verified Buyer
Site Member

Comments about HFCU Premier Checking Reviews:

The balance thresholds are all reasonable and the ability for all your relationship balances to count to waive the monthly fee is terrific. The member rewards for using your debit card is very innovative. As is the contest to rate your accounts! Way to go. Best--Joyce

Displaying reviews 1-8

Back to top