Step into the 21st Century with online and phone banking!

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Now more than ever, banking is high tech. Go back twenty years and we didn’t have nearly as many convenient ways to control our finances. It can be easy to get overwhelmed with all of the opportunities, and so it’s possible you’re not taking full advantage of them. To break it down a little bit, there are three main ways you can use technology to make your financial life easier.

1) Online Banking. This is a huge one because of how many things you can do with it and how easy it is to access. Most banks and credit unions offer some type of online banking. Here at HCCU, you can get to your online banking from any mobile device or computer at any time. From there, you can check your balances, transfer money, view and print copies of cleared checks, make a loan payment, balance your check book, and a lot more. You are automatically enrolled in online banking when you set up an account with us, and you’re free to check it as little or as much as you want.

2) Phone Banking. If you have your phone handy, but don’t have access to Internet, don’t fret. There’s still plenty of ways to have peace of mind about your finances. One of those ways is through CU Talk, an automated number that can be used to check balances, verify amounts and dates of transactions and cleared checks, transfer money, make loan payments and check interest rates. The second way is through text banking. This is especially great for doing a quick balance check while you’re in line to purchase something.

3) Online Statements/ Bill Pay. If you’re using online banking, why not get online statements? They’re more secure than paper statements, and you can access current and past statements anytime. Online Bill Pay is another free service that allows you to pay bills just one time or monthly. It saves you a few stamps, and it’s one less thing to worry about each month.

Overall, there are some tech options out there that are free, convenient, and will probably save you some time. So figure out which ones are best for you, ask an MSR how to get set up for any of these services and step into the 21st century!  

Post by: Noelle C.

EcoChecking...keep the green in the environment and in your wallet!

Do you use your debit card often? Have direct deposit that is deposited into your checking account? Use our online bill pay?  Receive e-statements?  Have a checking account or looking to get one?  If you answered Yes to all of these questions, you may qualify for our new EcoChecking account!

Why EcoChecking?

Let’s go green and stop all that paper wasting!  Choose EcoChecking and put those checks away for good!  By opting for electronic services instead (debit card, eStatements, and ACH/online bill pay – all more convenient anyways, right?!) you can earn a higher interest rate on your checking account.  Members who enroll and qualify for EcoChecking earn a higher interest rate of 2.0% APY on balances up to $10,000.00!  Much higher than our 0.05% standard checking account rate!

What does it take to qualify?

It’s easy!  Each calendar month you would need to have:

• 12 debit card transactions that post and settle from your EcoChecking account 
• 1 direct deposit, ACH withdrawal, or online bill pay transaction in your EcoChecking account
• eStatements

*You cannot write checks from an EcoChecking account.  If checks are presented against your EcoChecking account, you will be charged a $2 transaction service fee per check at the end of the month.

Not within driving distance of HCCU or any of our affiliated ATM locations but need cash?

Use any ATM you can find!  HCCU does not charge you for using non-affiliated ATMs.  However, other financial institutions may charge you a fee for using theirs.  With an EcoChecking account, we’ll reimburse you that fee!  You can receive up to $10 in ATM surcharge refunds per month (paid at the end of the month) if you get charged for using non-HCCU ATMs.  How awesome is that!?

Let’s help keep our environment healthy while keeping our wallets full!  Call or stop in today to get more information to see if EcoChecking is for you, or to get your new EcoChecking account set up!

Post by: Kelly V