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Compare Checking Accounts

Compare Checking Accounts

Regular CheckingFree Checking55+ CheckingHero CheckingCollege Student Free Checking
Minimum Balance $100 NoneNoneNoneNone
Monthly Fee View Details NoneNoneNoneNone
Earns InterestCheckmarkNoneNoneNoneNone
Free Online BankingCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Free Mobile BankingCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Free Bill PayCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Overdraft Protection (fees may apply)CheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Courtesy Pay (fees may apply)CheckmarkCheckmarkCheckmark1 fee rebated per month with direct deposit of $50.00 or moreCheckmark
Free VISA® Debit Card CheckmarkCheckmarkCheckmarkCheckmarkCheckmark
Unlimited Check WritingCheckmarkCheckmarkCheckmarkCheckmarkCheckmark
PerksNoneNone50% Discount on published rate for Safe Deposit. 5,500 uChoose reward points when approved for a Visa Credit Card. One free official check & money order per month, free coin counting, 40 free checks and rebates up to $10 on ATM fees per cycle.Discount on closing costs for a mortgage, 40 free checks and specialized checkbook cover. For every account opened HRCU will make a donation to charity benefiting a veteran or first responder.Fees waived on foreign ATMs. (Surcharge may apply)

Regular Checking

Make your money work for you! Take advantage of even more great benefits and services while boosting your balance with competitive monthly dividends.


Checking Accounts

Minimum DepositDividend RateAPY*Minimum Required to Earn APY

*Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Penalty for early withdrawal applies to Certificates of Deposit. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. IRA deposits are fully insured up to $500,000; $250,000 by the NCUA and $250,000 by Excess Share Insurance.Maintenance or activity fees could reduce the earnings on the account.

Free Checking

No minimum balance requirement, no monthly maintenance fee, and unlimited access to your funds - now that's a truly FREE checking account.

Hero Checking

HRCU values first responders, the military and veterans, that's why we have designed an account tailored to the needs of our Hero Members.

  • No monthly maintenance charge
  • No minimum balance required
  • No maximum on the number of transactions
  • Free VISA® Debit Card with access to 30,000+ surcharge-free ATMs in the Credit Union Co-Op Network
  • Free Online Banking
  • Free Bill Pay
  • Overdraft Protection
  • Courtesy Pay
  • Free (40) HRCU standard checks and specialized checkbook cover
  • One courtesy fee rebate per statement cycle with a $50 direct deposit
  • $500 discount on first mortgage closing costs
  • A donation will be made on the members behalf to an organization assisting first responders, military families and veterans

55+ Checking

For our Members 55 and older, we have designed an account with you and your needs in mind.

  • No monthly maintenance charge
  • No minimum balance required
  • No maximum on the number of transactions
  • Free Visa® Debit Card
  • Free online banking
  • Free Bill Pay
  • Courtesy Pay
  • Free Telephone transfer (staff assisted)
  • 50% off published rate on Safe Deposit Box
  • Free (40) HRCU standard checks
  • When approved for a rewards Visa® Credit Card - will receive 5,500 points
  • Rebate on ATM fees up to $10.00 per statement cycle
  • 1 free Official Check per month
  • 1 free Money order per month
  • Free coin counting

College Student Free Checking

No matter where you are going to school, HRCU's College Student Free Checking has everything you need!

  • Free checking with no monthly fees
  • Get your FREE debit card on the spot at any branch
  • No foreign ATM fees (surcharge may apply)
  • Use 30,000+ ATMs nationwide free of charge
  • Apple Pay, Google Pay & Samsung Pay
  • Free Mobile Banking & Mobile Deposit
  • Send and receive funds easily to friends & family
  • Overdraft Protection
  • Courtesy Pay option
  • Free Bill Pay & e-Statements
  • Free (25) HRCU standard checks
  • Unlimited check writing
  • Checks available in many styles


ClickSWITCH is an automated account switching solution that makes it easy for you to quickly and securely switch your recurring direct deposits and automatic payments from your previous financial institution account to your HRCU account. You can also initiate the closing of accounts at your previous financial institution using ClickSWITCH.

If you have not yet received a code to use ClickSWITCH please call us at 603-332-6840 or email us at !

  • ClickSWITCH removes the hassle of contacting all of your billers and depositors to inform them of your new account information. 
  • Just input your payment and direct deposit information to the secure ClickSWITCH system, submit the switch and they will do the rest!

Additional Services

Retire your checkbook and save space in your wallet with our VISA® debit card. Included with all HRCU checking accounts, your debit card is accepted anywhere that welcomes Visa® payments.


  • Free with any HRCU checking account
  • No charge for all point-of-sale transactions
  • Surcharge-free transactions at all HRCU ATMs
  • Surcharge-free transactions at any of the 30,000+ ATMs carrying the Co-Op Network Logo
  • HRCU Better Card Controls is an easy-to-use tool to help prevent fraud by controlling when, where and how debit and credit cards are used through HRCU Better Card Controls. With HRCU Better Card Controls, you can turn your card “On” or “Off” and control card usage and spending, all through your mobile device. For more information please see our HRCU Better Card Controls FAQs.

    HRCU Better Card Controls is available in the Apple App Store and Google Play Store, download it today!

International Use

For security purposes, HRCU debit cards do not automatically work outside of the United States. This includes Canada and Mexico. If you are traveling outside of the United States, simply let us know and your card will be authorized to make transactions. 

As a member, you can conveniently access your funds with Apple Pay®, Samsung Pay® and Google Pay at participating retailers nationwide. To get started, add your HRCU debit or credit card to your mobile device.

If you have any questions, please call Member Support at 603-332-6840, or use the Live Chat function available on your screen.

View FAQs about Click Pay

Please see your applicable HRCU account agreement and card terms and conditions for information on liability for unauthorized transactions.

Apple Pay is a registered trademark of Apple Inc. Google Pay is a trademark of Google Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

Nobody is perfect. That's why we offer ways that you can protect your checking accounts from overdrafts in the event that your account has insufficient funds and is unable to clear an item or cover a transaction.

Savings Overdraft Protection

Overdraft protection allows funds from your savings account, or a different HRCU account of your choice, to be transferred to your checking account to pay an item. Contact us or visit a branch to set up your accounts for this service.

Courtesy Pay Privilege

With this protection option, the credit union may authorize and pay the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay an overdraft for ATM transactions. 

Daily debit card transactions are paid one time when you elect to Opt-In for the service.

We pay overdrafts using Courtesy Pay at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and/or pay an overdraft, your transaction will be returned and/or declined. A nonsufficient funds (NSF) fee may be charged if an item is paid, declined or returned. Refer to the Services Information for additional information.

For additional information and for ways to opt-in click here to read “What You Need to Know”. 

Online & Mobile Banking

Access your funds or make your Visa® payment with our safe and secure remote banking services anywhere, anytime.

Become a Member

If you live, work, go to school or worship in the State of New Hampshire or York County, Maine, you are eligible to join Holy Rosary Credit Union.