Checking Accounts

Overview

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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

  • 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

  • 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 02-19-2017
Dividend Rate APY Alert Me
Premier Checking 0.20% 0.20%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 02-19-2017
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

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Premier Checking

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REVIEW SNAPSHOT®

by PowerReviews
HFCUFree Checking Reviews
 
4.6

(based on 73 reviews)

Ratings Distribution

  • 5 Stars

     

    (57)

  • 4 Stars

     

    (9)

  • 3 Stars

     

    (2)

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    (1)

  • 1 Stars

     

    (4)

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 73 customers

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5.0

Great

By 

from Gloucester

Verified Buyer

Comments about HFCU Free Checking Reviews:

Loan officers were amazing, understanding, and knowledgeable.

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5.0

fast easy convenient and awesome

By 

from Burlington MA

Verified Buyer

Comments about HFCU Free Checking Reviews:

It was very great experience working with Diana. She was very professional and easy person to work with

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5.0

Excellent service and follow up

By 

from Huntington Beach, CA

Verified Buyer

Comments about HFCU Free Checking Reviews:

I can't comment on the terms as of yet, since I'm not at that point. However, I will say that everyone involved in helping me open my checking account has been beyond amazing! I work for the a company that has over 120 people working in customer service. We're good, but we could certainly take a page for their customer service book. My parents are members and I'm happy I finally listened to them and opened an account as well!

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5.0

GREAT

By 

from Boston, MA

Verified Buyer

Comments about HFCU Free Checking Reviews:

Fast and free but wish there was a branch located closer to where I live.

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5.0

Exceptional service by Jessica

By 

from Bedford MA

Verified Buyer

Comments about HFCU Free Checking Reviews:

Jessica went above and beyond to assist me in opening a checking and savings account and helping me get set up with my mobile app. The ladies that work at the branch in Bedford MA are always friendly and willing to assist my husband who is a disabled veteran who can not see. Thank you so much for your assistance.

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4.0

asked for more information that I expected

By 

from MA

Verified Buyer

Comments about HFCU Free Checking Reviews:

opening up the new account online took a little more time than I expected and asked for more information that I expected, as I m an existing member and logged in to the system. But, aside from that, a good experience.

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5.0

Great people great bank

By 

from Billerica, MA

Verified Buyer

Comments about HFCU Free Checking Reviews:

Hassle free banking and warm and always smiling representatives.

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5.0

Fast and efficient

By 

from Chevy Chase, MD

Verified Buyer

Comments about HFCU Free Checking Reviews:

Fast and efficient. The management and staff are always heipful and customer focused.

 
5.0

Feedback D2

By 

from Brighton, MA

Verified Buyer
Site Member

Comments about HFCU Free Checking Reviews:

I was introduced to Hanscom Federal Credit Union thru a friend. I wasn't sure they could help me because I have been declined by Voya at my own 403b that I contribute By weekly. I needed the money to pay for my daughter's college. HFCU opened the door for me and I got served on the spot. I will never forget that day.
Thank you very much for your help.

 
5.0

Awesome

By 

from Scranton

Verified Buyer
Site Member

Comments about HFCU Free Checking Reviews:

It's been a great experience.

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REVIEW SNAPSHOT®

by PowerReviews
HFCUPremier Checking Reviews
 
5.0

(based on 3 reviews)

Ratings Distribution

  • 5 Stars

     

    (3)

  • 4 Stars

     

    (0)

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Reviewed by 3 customers

Displaying reviews 1-3

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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.

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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

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