Checking Accounts

To enjoy the advantages of our Checking Accounts and MasterMoney Debit Card, you must first establish your membership with Hartford Federal Credit Union by opening a Share Savings account.

No-Fee Classic Checking

Manage your finances safely, securely, and conveniently with a No-Fee Classic Checking account at HFCU. To take advantage of our No-Fee Classic Checking account you must be a Member with HFCU by having a Share Savings account. When you open a Checking account, take advantage of the following:

  • No minimum balance
  • No monthly fees or service charges
  • Direct Deposit or Payroll Deduction
  • ATM access to your funds 24 hours-a-day at NYCE and Cirrus ATMs
  • Free Online Banking, Mobile Banking* and Bill Payer**
  • Alerts and Notifications
  • Mobile Check Deposit (requires registration)
  • Passport – free 24-hour automated telephone access to your accounts
  • Online check imaging
  • Unlimited check writing privileges
  • Overdraft Protection available
  • MasterMoney Debit Card for Point-of-Sale transactions at merchants across the USA, Canada and 60 other countries

Apply Now

To reorder your checks call 1•800•355•8123, 24 hours-a-day, seven days-a-week.

*Check with your mobile service provider for any charges that may apply for data usage on your mobile device.
**Monthly inactivity fee may apply.

2nd Chance Checking

HFCU’s 2nd Chance Checking program offers members the opportunity to open a checking account who may have prior checking activity that may not qualify them for a No-Fee Checking account. After a period of responsible use, members can transition to a Classic Checking. To take advantage of our 2nd Chance Checking account you must be a Member with HFCU by having a Share Savings account.  The 2nd Chance Checking offers convenience of:

  • No minimum balance
  • Direct Deposit or Payroll Deduction
  • ATM access to your funds 24 hours-a-day at NYCE and Cirrus ATMs
  • MasterMoney Debit Card (available with Direct Deposit) for Point-of-Sale transactions at merchants across the USA, Canada and 60 other countries
  • Free Online Banking, Mobile Banking* and Bill Payer**
  • Passport – free 24-hour automated telephone access to your accounts
  • Online check imaging
  • Unlimited check writing privileges

There is a $5 monthly fee for 2nd Chance Checking accounts. Contact a Member Service Representative to learn more about the benefits of 2nd Chance Checking and to determine if you qualify.

To reorder your checks call 1•800•355•8123, 24 hours-a-day, seven days-a-week.

*Check with your mobile service provider for any charges that may apply for data usage on your mobile device.
**Monthly inactivity fee may apply.

Prestige Account

This Premier Account is designed for value-conscious members who want to save on fees and charges and benefit even more from our services. This unique plan provides you with significant savings, convenient ways to manage your money, and quick access to your funds. To become a Prestige Account holder, you must be a Member with HFCU by having a Share Savings Account,  simply maintain a combined minimum balance of $5,000 in Share account balances (excluding Share Certificates) and have an active Share Draft Checking account at HFCU. When you sign up for a Prestige Account you can take advantage of the following benefits:

  • 1% Discount on Home Equity Lines of Credit- with Direct Deposit (subject to minimum product rate)
  • 1% Discount on non-promotional rate Personal Loans- with automatic monthly payments from a HFCU account.
  • .25% Discount on non-promotional rate Auto Loans- with automatic monthly payments from a HFCU account.
  • .25% Premium on non-promotional Share Certificates
  • Free Online Banking, Mobile Banking* and Bill Payer**
  • Five foreign ATM/Point of Sale transactions each month at no charge (other institutions’ fees may apply for non-SUM and non-CO-OP network transactions)
  • Free standard printed checks (up to two boxes per calendar year)
  • Unlimited check writing privileges

A $15.00 fee may apply each month if combined non-certificate share balances are below $5,000.

*Check with your mobile service provider for any charges that may apply for data usage on your mobile device.
**Monthly inactivity fee may apply.

MasterMoney Debit Card

With the HFCU MasterMoney Debit Card, you can enjoy a whole new level of shopping and ATM convenience. Pay for your purchases without cash, checks, or credit cards. At  many merchants you can request cash back without a fee. You must be a Member with HFCU by having a Share Savings Account and a linked Checking Account to have a HFCU MasterMoney Debit Card. Plus, you'll have quick and easy access to your funds at ATMs from your checking and main share savings account.  The MasterMoney Debit Card daily limits are:
  • $2,500 daily Point-of-Sale limit
  • $500 daily ATM withdrawal limit
  • $500 daily Cash Back limit
Contact a Member Service Representative to find out how you can get your card today!
For your convenience, members can request their debit card be instantly issued at HFCU’s Main Office located at 964 Asylum Ave., Hartford.