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Mobile Deposit

Spare yourself the trip to a branch or ATM. Use the HRCU mobile app to deposit your personal and business checks safely and securely at anytime from anywhere!

  • Find the Mobile Deposit Capture feature on your HRCU Mobile Banking app via your mobile device.*
  • Then, simply snap a picture of the front and back of your endorsed check (please also write “For Mobile Deposit Only HRCU” beneath your signature)**
  • Follow the easy on-screen instructions to complete your transaction.***

Check out the FAQs for more information.

*Some restrictions may apply.
**Checks that are deposited using Mobile Deposit MUST have an endorsement on the back of the check. Under the endorsement, "For Mobile Deposit Only HRCU" MUST be written.
***The HRCU Funds Availability Policy also applies to mobile deposits. Fund Availability Policy.

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Mobile Payments

Instead of digging your card out of your wallet at checkout, you can use your phone to make contactless payments with Apple Pay®, Samsung Pay® and Google Pay

To get started, add your HRCU debit or credit card to your mobile device.

  • Enjoy quick and easy checkout in stores and online 
  • Card information is encrypted and stored safely on your mobile device 
  • Available to use even when not connected to the Internet

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

How It Works

When you approach a point of sale system compatible with Apple Pay®, Samsung Pay® or Google Pay, the screen on your mobile device lights up and opens your digital wallet automatically. A payment is then made by holding the compatible device near the checkout system. Follow the instructions on your device by entering the passcode to complete the transaction. 

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.

Debit Cards

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
  • Surcharge-free transactions at all HRCU ATMs
  • Surcharge-free transactions at any of the 30,000+ ATMs carrying the Co-Op Network Logo
  • Add to your mobile wallet to conveniently have your funds accessible on your mobile phone

Plus, we offer contactless debit cards for a quicker transaction experience. Simply tap your card at the card reader at time of checkout (for applicable terminals) instead of inserting or swiping to help save you time at checkout. 

Contact our Member Support to order your contactless debit card and learn more.  

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, you can use Better Card Controls Mobile App to set up travel notices. For further questions and support, contact our Member Support and your card will be authorized to make transactions. 

Card Management

HRCU Better Card Controls is an easy-to-use card management tool available to all HRCU debit and credit cardholders as a free benefit. Prevent fraud and overspending by controlling when, where and how your cards are used. 

  • Turn your card “On” or “Off” in real time, to prevent unauthorized use
  • Control card usage and spending with custom limits
  • Receive real-time transaction alerts via push notifications when your card is used
  • Easily set up Travel Notices for national and international travel

For more information, please see our HRCU Better Card Controls FAQs.

Direct Deposit & AutoPay

ClickSWITCH is HRCU's automated account switching solution that makes it easy for you to switch your recurring direct deposits and automatic payments quickly and securely 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 Member Support, or use the Live Chat function available on your screen. 

  • ClickSWITCH removes the hassle of contacting all 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!

Bill Pay

Take advantage of Bill Pay to save time and avoid missing payments! Once registered for online or mobile banking, you can send one-time or recurring payments to people and businesses in just a few simple steps!

  • Free and easy to use
  • Schedule one time or recurring payments
  • Make electronic payments to friends and family

Never used Bill Pay before? Call Member Support or use the Live Chat function on your screen to get started. 

Please Note: Registered Bill Pay users who do not use their Bill Pay account to make a payment at least once every 60 days will receive a monthly $5.00 inactivity fee.


HRCU provides a free, eco-friendly, and secure way to view your statements.

  • Access your statements at your convenience - at home, at work, or when traveling
  • Review your previous statements (up to 24 months of statements are available)
  • Receive an email notification when a statement is ready to view
  • Download and save statements to your personal computer
  • Avoid the $2 paper statement fee
  • Prevent identity theft by reducing the amount of personal financial information in print and traveling by mail

Transaction & Overdraft Protection

Nobody is perfect. That's why we offer ways to protect your checking account from overdrafts if you don't have enough funds available to 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 our Member Support 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 if you have opted in for the service:

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

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.

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.

To opt in:

Visit your Dashboard in the HRCU Mobile app or online and click Courtesy Pay to enroll. 

*A fee will apply at time of service; contact Member Support for additional information. 

Telephone Banking

Stay connected with our 24/7 Telephone Banking service! With Telephone Banking, you can conveniently call our automated teller service for your quick banking needs. 

What Can You Do With Telephone Banking?
  • Review Account Balances and Transaction History
  • Make Transfers Between Accounts
  • Make a Loan Payment from your HRCU account
  • Review Scheduled Transfers

Get started today by calling us at 603-332-6840.

How do I enroll in Telephone Banking? 

Call us at 603-332-6840. Simply follow the automated prompts to telephone banking and self-enroll. From there you will set up a secure PIN to protect your account. 

For any questions on how to enroll in Telephone Banking or resetting your PIN, please call our Member Support team and we will be happy to assist you. 

Online & Mobile Banking

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

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