Upcoming Maintenance

Due to maintenance, HCU Digital Banking may be unavailable Sunday, 07/21/2024 from 1:00am to 5:00am, Central Time.

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.

Earn cash back when you use your debit card on purchases over $10*. Money is deposited right back into your checking account.
Get access to your direct deposit funds up to 2 days early, allowing you to stay ahead of the budgeting game.
Overdraft Protection features Share transfers to keep you from overdrawing your account. Included with every Gateway checking account.

Gateway Checking Features

  • For members under the age of 19
  • No minimum balance
  • Free VISA Debit Card
  • Earn cash back on all debit card purchases over $10*
  • Access direct deposit funds up to 2 days early
  • Free access to over 30,000 HCU & Coop Network ATMs
  • HCU Digital Banking with InstaCheck mobile check deposit
  • Free eStatements (or $3 monthly fee for paper statement)
  • Share Transfer Overdraft Protection^ for the exact amount of the overdraft from your HCU savings account
  • Free unlimited HCU Bill Pay
  • Free Check Cashing
*Earn $.05 cash back for every debit card transaction over $10. Must use your debit card 15 times per month and have eStatements to earn cash back. Maximum cash back amount is $5 per month. Cash back will be deposited at the end of each month. ^Whether overdrafts will be paid is discretionary and we reserve the right not to pay.  We typically do not pay overdrafts if the account is not in good standing, regular deposits are not being made, or too many overdrafts are occurring on the account.