Checking Accounts

HPCU offers two types checking accounts, Virtual Checking and Classic Checking. Virtual checking, our most popular account is for those that write very few checks and prefer to use our debit card and online services. Classic checking is the right choice for anyone that still likes to write more than 4 checks per month. Whichever checking type you choose, you will appreciate the many benefits that come with your new account. Both of our checking accounts come with a debit card for your convenience.

	Classic Checking	Virtual Checking
Monthly Account Fee	None	None
Minimum Balance	None	None
Unlimited Check Clearings	Yes	4 free per month $1 each after
Debit Card Perks	No fee at HPCU ATMs, Cash Back at merchants	No fee at HPCU ATMs, Cash Back at merchants
Earn Dividends¹	Yes	No
Online / Mobile Banking	Free	Free
Online Bill Pay / Zelle²	$4.00/month	Free
Overdraft Protection Eligible³	Yes	Yes
eStatements	Free	Free
Paper Statements	Free	$5/month if not enrolled in eStatements
Download to Quicken (Visit Education Center)	Free	Free

All checking accounts include our debit card. Instant issue debit cards are available at account opening. Check printing service is also offered (pricing depends on style/quantity).

¹ Classic Checking dividend rate is variable and subject to change. See rates page for details.

² Bill Pay required for Zelle® access. Both services require online banking setup.

³ Overdraft Protection subject to approval. Standard fees apply. See fee schedule.

Zelle® is a trademark of Early Warning Services, LLC, used under license.

Added Member Benefits with Superior Rewards

You will earn even more valuable benefits when you become a Superior Rewards Member!

2 easy ways to qualify

Checking account with 10 debits or more per month

– or –

Checking account with 5 debits per month and a direct deposit to checking of $300 or more each month

ATM withdrawals and internal transfers do not count for debits

Benefits of Superior Rewards

.25% higher dividend rate paid on Money Market
.50% higher dividend paid on Share Certificates*
.75% off consumer installment loan rate* (non-real estate)
Classic VISA® with ScoreCard Rewards**
No fee to purchase Harbor Pointe Visa Gift Cards (limit 2 per month)

*Excludes special promotional rates on share certificates or loans

**Upon credit approval

Rates

Discover the Benefits of your HPCU Debit Card

Simplify your spending with HPCU!

At HPCU, we’re more than just another financial institution, we’re your friends, your neighbors, and your partners in making life a little easier. We know that time and family are important and that is why your HPCU Debit Card is designed to help you spend more time enjoying the moments that count.

Why choose a HPCU Debit Card:

Add card to your digital wallet for quick access anytime
Control your card on our mobile app with on/off and travel settings for peace of mind
Instant access to your funds whenever you need them
Safer than carrying cash or checks
Use at ATMs for added convenience

Whether you’re shopping at your favorite local shop, grabbing dinner with friends, or traveling to a favorite destination, your HPCU Debit Card is here to make every purchase simple, secure, and stress-free.

Ready Reserve Line of Credit

A Ready Reserve Line of Credit loan is a revolving line of credit available to cover a check if you come up a little short in your checking account. You can also advance money from your line of credit whenever you need extra cash.

Benefits Include:

Revolving line – only pay interest on what you advance
Attached to your checking account for peace of mind you always have enough to cover a check, even in an emergency
Access your line of credit and make transfers to your checking account yourself within Online or Mobile Banking

Type of Loan	Rate
Ready Reserve Line of Credit	10.00%

Apply online for your Ready Reserve Line of Credit or call our loan department at 218-722-9242.