Choosing a checking account isn’t a one-size-fits-all decision. If you’re wondering how to choose a checking account, start with the features that matter most to you, whether it's earning dividends or added perks. A little comparison goes a long way in finding the best checking account for your needs.

Consider Your Banking Habits

When it comes to choosing the right checking account, your daily routine and spending habits matter. The best checking account for you is one that supports how you manage your money: conveniently, securely, and with the right mix of features.

If you’re someone who prefers to manage everything from your phone or computer, look for a checking account with strong digital tools like mobile check deposit, online bill pay, and real-time balance tracking. If you appreciate having the option for in-person service when you need it, make sure your account comes with access to friendly, knowledgeable staff who know their community.

Ask yourself a few important questions about how you typically spend and move money. Do you want a no-frills account to keep things simple? Or are you looking for added benefits like dividends or  identity protection?

Your answers will guide you toward the checking account benefits that matter most to you, and help ensure you’re choosing the best account to match your lifestyle.

HFCU Checking Accounts at a Glance

Heritage Family Credit Union offers flexible checking options—including joint accounts—to meet your needs. With valuable benefits and features in both our Basic and Premier accounts, it’s easy to choose the one that suits you.

HFCU Basic Checking: Simple, Safe, and Convenient

If you’re looking for a straightforward way to manage everyday spending, HFCU’s Basic Checking Account offers everything you need, without the hassle of minimum balance requirements or monthly service fees. It’s a practical option that keeps your money accessible and secure.

With a free Visa® debit card, you can make purchases, pay bills, and withdraw cash anytime. You’ll also have access to Bill Pay and SmartDeposit, making it easy to handle payments and mobile check deposits on your schedule.

All HFCU checking accounts come with free access to eBranch, our secure online banking platform. You can also add your debit card to your digital wallet for even more convenience, with Apple Pay®, Google Pay™, or Samsung Pay®, and benefit from the extra layer of protection that encrypted card data provides.

Overdraft Protection
Everyone makes mistakes. If your balance doesn’t cover a transaction, Overdraft Protection can help prevent declined charges or returned payments. Overdraft Protection is optional with our Basic Checking and can be customized based on your preferences.

HFCU Premier Checking Account 

HFCU Premier Checking offers everything included with a Basic account, like online banking, Bill Pay, Smart Deposit, and no minimum balance requirements, plus added features that reward you for keeping more of your money in one place. It’s perfect for members who want to earn more, enjoy added protection, and have access to extra perks.

With a Premier Checking account, you’ll receive:

  • Dividends earned on the money you keep in your checking account
  • Special Term Share Certificate rates on 12-, 18-, 24-, and 36-month certificates—earn an additional 0.50% APY
  • Free initial checks to help you get started without added costs 

And, most importantly, you’ll get peace of mind with IDProtect®, a free service included with every Premier account that adds an extra layer of protection to everyday banking.

Protect What Matters with IDProtect®

Your identity is one of your most valuable assets and Premier Checking helps you protect it. IDProtect® includes:

  • Ongoing credit file monitoring and monthly credit report updates
  • Alerts any time changes are made to your credit file
  • Access to your credit score so you can track progress and catch issues early
  • Dedicated fraud support if you become a victim of identity theft. An IDProtect specialist will work directly with you to help resolve the issue

Ready to open a checking account with HFCU? Visit your nearest branch or contact us online to get started today.