Checking Accounts

From free to reward to interest-earning accounts, we have the perfect checking accounts and digital wallet options for you.

Compare Checking Accounts

Check account rates here

All checking accounts include the following:

Free Debit Card

Free online access with bill pay

Online/Mobile Access

Mobile Apps
(iPhone | Android | Amazon Kindle)

Online Statements
(seven years history)

TransferMoney Online

24/7 Call Center Access

Deposit checks online with EasyDeposit

Thousands of CU Service Centers nationwide

Online Check Images

(Person to Person Payments)

Optional Overdraft Protection

Federally Insured

Free Credit Score Review

Free checks

Free Kasasa Cash Back® Checking

  • 2.00% cash back on debit card purchases 2
  • Earn up to $84 cash back per year ($7 per month) 2
  • Refunds on ATM withdrawals, nationwide (up to $20 monthly)3
  • Can link to free Kasasa Saver® account for effortless savings

Open an Account  Learn more

Free Kasasa Cash® Checking

  • 1.50% APY1 on balances up to $15,000
  • 0.01% APY1 if qualifications aren't met
  • Refunds on ATM withdrawals, nationwide (up to $20 monthly)3
  • Can link to free Kasasa Saver account that earns high interest

Open an Account  Learn more

Premier Checking Account

  • Earn our highest dividend rate on your entire checking balance.
  • Unlimited free checks
  • Unlimited non-Hanscom FCU ATM transactions with no network fee from us.

Free Checking Account

  • No monthly service fee. Free checks, bill pay, mobile deposits.
  • No direct deposit or minimum balance requirements.
  • Enjoy an early payday with Payday Perqs. Get paid up to two days earlier with direct deposit.
  • 10 non-Hanscom FCU ATM transaction per month with no network fee from us.

More Information & Extras

Debit Cards

Looking for business checking?
We have smart options for you.

Real Reviews from Real Hanscom FCU Members

Free Checking

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Premier Checking

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Easy, stress free, quick


My experience was wonderful and Informative. Great staff.

Jamaica Plain Boston Ma




Jane was very helpful/professional.

Lexington, MA


Outstanding service


Response to my immediate needs were met effortlessly.

Boston Ma


Very Personable


Great people work there and are very patient and kind.



Best ever.


One on one banking at its best. I was searching for a place to refinance my automobile and I never knew it was so hard to do, after you own a vehicle and have financing in place. After being turned down multiple times I contacted the credit union and was approved within 24 hours and close very conveniently over the Internet. I am now moving my business accounts over to the credit union. They've got all my business from now on. I highly recommend them to anyone.



My experience was pleasant, efficicient and knowledgeable.


I had the pleasure of working with a lovely person who welcomed me with a big smile and escorted me to her office at the South bay office. Although she was quite young she was very pleasant and knowledgeable and had a great conversation about a few things. My husband and a few of our children have had accounts with your company for years. If I had not parked in front of it I may not have joined. Glad I did!



Great service! Fast and efficient


Bill opened up my free checking account because I wanted to start saving money. It was a very fast and easy process and I'm very happy with banking at the Bedford branch. Thank you!





Excellent Customer services

Salem MA


Having trouble getting my on line statement.


Liz helped me set up the Heat Loan with Mass Save. Jamaica Plain office. Having trouble getting my on line statement now and have no luck getting help. Waiting for Liz to call me back, meanwhile i try calling the # that comes up on line when there is a problem and a person never comes on the line. Just a bunch of bank ads, music, then disconnect!

Weymouth, MA


Terribly disappointing


I came to HFCU because my sister and her husband have an account here so they referred me. I just moved from Texas and want a local CU for some of my banking. The lady who initially opened my account must have been new. She didn't know the different account features, and I couldn't open a savings without a checking. So I opened the most basic ones. I also told her about the $30 referral program but she didn't know anything about it (even though there was a flyer right in front if her). After reading the info she sent me home with I decided to switch to the Kasa. I opened those online. When I went to an actual branch to deposit checks I was informed that I had opened the wrong Kasa checking, even though the one I was switched over to is the one I thought I had opened. A week ago I used the mobile deposit feature for the first time and I waited several days for the deposit to show. Not once did it even show as a pending deposit when I looked at my account. So I figured I had done something wrong and 4 days later I took the check to deposit at my other bank. What do I see when I open my account this morning? They've finally processed the check I deposited on the 19th! I've received 3 emails from different bankers at HFCU introducing themselves to me and telling me how they would be personally able to assist with questions or concerns. I replied to 2 of them in the past 10 days with concerns and I've yet to receive a response. When I tried to email the 3rd at the email address they provided I got an error saying that the email address was not valid (first initial last name @). I'm an underwriter at a local bank but always preferred to do most of my own banking with credit unions. Until now. What a joke.

Billerica, MA


Free Checking Reviews

4.7 205


Great experience!


Abian was great and took the time with me to make sure she knew exactly what I needed. Awesome experience!

Fairfax, VA


Excellent Customer Service


Sergio went above and beyond in providing excellent customer service in opening additional accounts.

McLean, VA


HFCU A Great Place for Banking


I have been a HFCU client for many years and have found them to be honest, caring and skilled in theirassistance to clients. HFCU's is innovative in the variety of accounts offered and rank among the best in the interest rates they offer.

Maynard, MA


Awesome customer service


Everyone from phone line to Cynthia G in Billerica are outstanding

Methuen, Ma


Working for me..,


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

Boston, MA


Best rates around. Easy access branches.


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.

Waltham, Ma


Excellent customer friendly


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



Great CD rates


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

Los Angeles


Exception Service and Guidance


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.

Williamsville NY


More than just a banking institution


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.

Alfred, ME


Premier Checking Reviews

4.9 17