tab / page ID = 89

Checking Accounts

 

 

Get automatic transfers from your checking.  2.00% APY* ON BALANCES UP TO $25,000 IF QUALIFICATIONS ARE MET   0.01%  APY* ON BALANCES, EVEN IF  QUALIFICATIONS ARE  NOT MET  Call 303-451-1146  for more information.    Kasasa Take Back Banking

 

 

*APY=Annual Percentage Yield. APY is accurate as of 7/1/19. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our institution. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means the statement cycle preceding the current statement cycle. See www.HNCU.org or a Member Service Representative for specific Monthly Qualification Cycle dates. "Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the account holder's account. See www.HNCU.org or a Member Service Representative for specific Statement Cycle dates. Limit one account per SSN. Kasasa Cash linked to Kasasa Saver Rates may change after account is opened. For Kasasa Cash, if qualifications are met each monthly qualification cycle: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle (1) daily balances up to and including $25,000.00 in your Kasasa Cash account earn a dividend rate of 3.00% resulting in a non-compounding APY* of 3.00% (2) and daily balances over $25,000.00 earn a dividend rate of 0.25% on the portion of the daily balance over $25,000.00, resulting in a non-compounding range from 3.00% to 0.80% APY depending on the account's daily balance. When Kasasa Cash qualifications are not met, ATM withdrawal fees are not refunded and the dividend rate earned on the entire daily balance in the account will be 0.01% resulting in an APY of 0.01%. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to the account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning the day after the close of the previous qualifying cycle through the 2nd to the last business day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one day. Note: Automatic transfer may cause an overdraft to your Kasasa Cash account, if the account's balance is less than the transferred amount when transfer occurs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to and including $25,000 in Kasasa Saver receive an APY of 2.00%; and (2) balances over $25,000 in Kasasa Saver earn 0.25% dividend rate on portion of balance over $25,000, resulting in 2.00% - 0.60% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.01% APY. Kasasa Cash Back linked to Kasasa Saver Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. Note: Automatic transfer may cause an overdraft to your Kasasa Cash Back account, if the account's balance is less than the transferred amount when transfer occurs. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) daily balances up to and including $25,000.00 in your Kasasa Saver account earn a dividend rate of 2.00% resulting in an APY of 2.00%; and daily balances over $25,000.00 earn a dividend rate of 0.25% on the portion of the daily balance over $25,000.00, resulting in a range from 2.00% to 0.60% APY depending on the account's daily balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.01% APY. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Apply for Membership

or Call: 303.451.1146

Kasasa Free Checking

 

Regular Checking

Our Regular FREE checking account lets you access your money easily. Our Regular Checking Account Features:

  • FREE Online Banking
  • FREE Mobile Banking*
  • FREE QwikSnap Deposit – Remote Deposit Capture
  • FREE Online Statements
  • FREE Text Banking
  • FREE 12/24 Phone Bank
  • FREE Transactions at 30,000+ CO-OP Network ATMs
  • FREE Transactions at 5,000+ Shared Branches Nationwide
  • No Monthly Debit Card Fees

Interest-Bearing Checking

Our Interest-Bearing Checking account is free as long as you maintain a $500 minimum balance**. Not only do you earn a great rate on your balance you will receive all the benefits of having your checking account with HNCU:

  • Dividends paid on balances $500+
  • No fees or monthly service charge if minimum balance maintained
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE Mobile Banking*
  • FREE QwikSnap Deposit – Remote Deposit Capture
  • FREE Direct Deposit
  • FREE Online Statements
  • FREE Text Banking
  • FREE 12/24 Phone Bank
  • FREE Unlimited Check Writing
  • FREE Transactions at 30,000+ CO-OP Network ATMs
  • FREE Transactions at 5,000+ Shared Branches Nationwide
  • No Monthly Debit Card Fees

Business Checking

Our Business Checking account lets you access your money easily. You will receive a free VISA® debit card and can manage your business account online or with your smartphone.

 

  • FREE Online Banking
  • FREE Mobile Banking*
  • FREE QwikSnap Deposit – Remote Deposit Capture
  • FREE Online Statements
  • FREE Text Banking
  • FREE 12/24 Phone Bank
  • FREE Transactions at 30,000+ CO-OP Network ATMs
  • FREE Transactions at 5,000+ Shared Branches Nationwide
  • No Annual  Debit Card Fee

 

Monthly Business Account Fees

  • Maintenance Charge
  • $5
  • Maximum Charge
  • Unlimited
  • Telephone Banking
  • Free
  • Fee per Check or Withdrawal/Debit
  • First 200 debits/credits are free then $0.25/per item
  • Fee per Deposit/Credit Item
  • First 200 debits/credits are free then $0.25/per item
  • Debit Card
  • Free
  • Internet Banking
  • Free
  • Monthly Statement
  • Free eStatement
    $5 monthly fee for paper statement
  • Overdraft Transfer Fee
  • $10.00 per transfer
  • Returned Deposit Fee
  • $15/non-account owner, $35 account - Per Item
  • Returned Deposit Fee- Self to Self
  • $35
  • Currency/Rolled Coin orders
  • FREE if (thousand ordered, $1.00/thousand)
    $1,000, and $0.10 per roll for coin
  • NSF Fee
  • $35 Per Item
  • Stop Payment Fee
  • $35 Per Item
  • Month-to-Date Account History Account Fee
  • $5
  • Account Reconciliation Fee
  • $30/hour
  • Statement Copy Fee
  • $5 Per Statement
  • Check Copy Fee
  • $5
  • Outgoing Wire Transfer Fee
  • $20 Domestic, $35 International

*Standard message and data rates apply to mobile banking. ** $10.00 monthly fee charge when balance below $500. ***

Checking

Horizon North CU Newsletter Cover

HNCU Newsletter

Winter 2020

View Newsletter

 



SallieMae Student Loan, Get Started
Bright Horizon Awards

Bright Horizon Awards

Adams 12 >
Entry Form >
Past Winners >

 

Today's Rates

See Savings Rates

Please Note:

You are now leaving the site.

  • The linked site is not owned or controlled by the credit union.
  • The credit union does not guarantee the products, information or recommendations provided by the linked site.
  • The credit union is not liable for any failure of products or services advertised by the linked site.
  • Privacy and security policies may differ from those practiced by the Credit Union.
  • The linked site's privacy policies may differ from those of HNCU and the credit union is not responsible for compliance with those policies.
Continue Decline