Built with teens in mind.

A checking account with features you’ll use.

Gateway Checking

Take the first step towards financial independence with a Gateway checking.  It’s a free checking account with no minimum balance that makes it easy to manage your money.  Plus, our staff is here to help with all the tools and financial advice you need to become financially successful.

Can’t find an HCU or CO-OP Network ATM?  No problem.  We’ll rebate foreign ATM fees so it doesn’t cost you to have access to your money.*
Get access to your direct deposit funds up to 2 days early, allowing you to stay ahead of the budgeting game.
A financial safety net with low fees that won’t break the bank. Included with every HCU Rewards Cash Back checking account.
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Gateway Checking Features

  • Free VISA Debit Card
  • No check-cashing fees
  • Unlimited free transactions at Heartland Credit Union and over 30,000 Coop Network ATMs
  • Automatic monthly foreign ATM rebate (calculated at month end; $5 max rebate)
  • Includes an Overdraft Protection Line of Credit for large or unexpected expenses* Click for details
  • Free first box of checks
  • Free Online and Mobile Banking
  • Instacheck Mobile Check Deposit available with Mobile Banking
  • Unlimited free HCU BillPay
  • Free eStatements and eAlerts via email