Checking
Checking Accounts
Keep more money in your pocket, and more time on your hands, with our free, convenient Checking account. With nationwide account access, robust digital banking and Debit Card controls; it's money management...made simple. You can open a Checking with as little as $25.
- Online and Mobile Banking with Free Bill Pay
- Control Spending and Prevent Fraud with the CardValet App
- Add Your Visa Debit Card to Apple Pay, Google Pay or Samsung Pay
- Fee-Free Withdrawals at 55,000 CO-OP ATMs Nationwide (2,000 in NJ)
- Access to 5,000+ Shared Branch Locations Nationwide
- Receive Real-Time Transaction Alerts with VISA Purchase Alerts
- Overdraft Protection is available
- Dividends Paid on Qualifying Products and Balances
Note: A $5 balance must be maintained in a Primary Savings Account at all times. All new Checking Accounts are verified via ChexSystems, Inc.
New Checking Products
Fit Checking (free checking)
- No interest checking
- No minimum balance requirement
- No monthly fees
- No minimum balance fees
- Courtesy Pay is not available; however, we offer Overdraft Lines of Credit or an Overdraft Transfer from your HEFCU account - fees may apply
Wellness Checking
Coming Soon
- Minimum balance $500
- Blended rate structure - View Rates
- Courtesy Pay (maximum of 3 paid per day) or Overdraft Transfer from a HEFCU account - fees may apply
- View our Fee Schedule
Healthy Checking
Coming Soon
- Minimum balance $1k
- Blended rate structure - View Rates
- Courtesy Pay (maximum of 3 paid per day) or Overdraft Transfer from a HEFCU account - fees may apply
- View our Fee Schedule
Complete Card Control
CardValet® helps you control your Debit Card, making it easy to set alerts and manage your finances on the go.
- Turn your cards on or off, in an instant, for any reason
- Control transactions by category or by dollar amounts
- Easily set, customize and modify purchase alerts
- Set spending limits for general use or specify thresholds by merchant type; such as gas, groceries or retail stores
- Set controls by geographic location
Deposits Made Easy
You can conveniently make deposits to your Checking account in person, by mail, with Mobile Deposit in the mobile banking app, with Direct Deposit or Payroll Deduction, at deposit-taking ATMs, or by using Bill Pay or transfer services from another Financial Institution.
Travel Notices
If you are traveling outside of the United States, please call us in advance at 609-951-0700 to have uninterrupted access to your HEFCU debit and/or credit card for the dates you will be traveling!
