Checking

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.

Features

• 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

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”.