HCU Checking Advantage
Your checking account should do more than hold your money. It should help you spend, save, manage, and protect it.
Our completely FREE basic checking requires no minimum balance. It is a non-dividend earning account, but it is a great fit if you want flexibility in your monthly balance. Plus, you still receive the HCU checking account benefits listed below.
Re-order checks | Contact Us | Call 217-726-8877
Why Choose HCU Checking Advantage?
Spend with ease
- Free checking with no minimum balance
- HCU Mastercard® debit card
- Apple Pay™, Google Pay™ and Samsung Pay™
- Access to thousands of surcharge-free ATMs
- Free online bill pay
Save without thinking
about it
- Round Up Savings
- Automatic transfers to savings
- Additional savings accounts for vacations, holidays, emergencies, or other goals
- Easy access to certificates and money market accounts when members are ready to earn more
Manage money from anywhere
- HCU Mobile App and It’s Me 247 Online Banking
- Mobile check deposit
- Account transfers
- eStatements
- Balance and transaction alerts
- Loan applications and payments through online banking
Protect what matters
- Debit card controls through the HCU app
- Transaction notifications
- Mastercard® Zero Liability protection
- Overdraft coverage options
- Fraud monitoring and local assistance when something doesn’t look right
Build a stronger financial future
- Credit score and credit-monitoring tools
- GreenPath financial counseling
- Greenlight for kids and teens
- Access to local HCU employees who can offer personal guidance
BENEFITS OF FREE CHECKING ACCOUNT
All checking account members receive:
MONEY MANAGEMENT CHECKING
If you routinely carry a high balance in your checking account, our Money Management Checking Account may be a great fit for you. The Annual Percentage Yields are tiered at $2,000, $10,000 and $25,000. The higher your balance, the better the dividend returned. Money Management Checking Accounts that fall below the $2,000 minimum balance requirement will be charged a $5 monthly fee.
Re-order checks | Contact Us | Call 217-726-8877
View Money Management Checking Rates
BENEFITS OF MONEY MANAGEMENT CHECKING ACCOUNT
If you routinely carry a high balance in your checking account, our Money Management Checking Account may be a great fit for you. The Annual Percentage Yields are tiered at $2,000, $10,000 and $25,000. The higher your balance, the better the dividend returned. Money Management Checking Accounts that fall below the $2,000 minimum balance requirement will be charged a $5 monthly fee.
Re-order checks | Contact Us | Call 217-726-8877
*Heartland Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Heartland Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 05/01/2026. Offer subject to change and partner participation. See terms at greenlight.com/promotionsgeneralterms for details. Subject to minimum balance requirements and identity verification. Offer subject to change or renewal.
The Greenlight® prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.