Personal
Personal Checking Overview
Personal Checking Accounts
Checking accounts remain the foundation of everyday banking, which is why Holyoke Credit Union is proud to offer checking account options designed to fit the diverse needs of our members. Whether you’re managing daily expenses, paying bills, or simply looking for convenient access to your money, we have an account to support your financial lifestyle.
All HCU checking accounts include a Holyoke Credit Union Mastercard® debit card, giving you convenient access to your funds at ATMs worldwide and wherever Mastercard is accepted, including in-store, online, by phone, or by mail. Purchases made with your debit card are automatically deducted from your HCU checking account and reflected on your monthly statement, making it easy to track spending and manage your finances.
Your debit card can also be used to make withdrawals, deposits, and balance inquiries at ATMs worldwide. You can also enjoy surcharge-free access at all HCU branch ATMs, as well as all SUM™ and Money Pass™ ATM locations.
HCU Checking Account Features Include:
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Free Mastercard® debit card
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Online & mobile banking
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Bill Payment
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Mobile deposit
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Surcharge-free ATM access
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Overdraft protection*
*ODP is not available for the 18/65 Checking account
Travel Notifications
For added peace of mind, we recommend notifying Holyoke Credit Union before traveling outside your normal area, including international travel, to help prevent interruptions in card access. You can also manage your travel plans and debit card controls at your convenience through Online Banking or the HCU Mobile App, allowing you to update your settings anytime that works for you.
If you need assistance, please contact us at 413-532-7000, option 7, prior to traveling.
Earn interest on your balance while enjoying the everyday convenience of a full-featured checking account designed to help you manage your money with ease.
Learn about Now Checking AccountsA straightforward, no monthly fee checking account that makes day-to-day money management simple, flexible, and hassle-free.
Learn about Simply FREE Checking AccountsA basic, no-fee checking account designed for members under the age of 18 or 65 and older, offering essential banking features with easy access to your money.
learn about 18/65 Checking Accounts