Checking Accounts
At Houston Police Credit Union, we offer a comprehensive range of checking accounts to suit your financial goals, whether you are opening your first account or seeking to upgrade. We understand the importance of 24/7 access to your funds and prioritize providing convenient services with minimal fees.
Free
Free Checking
We all have enough to think about on any given day. With our Free Checking account, you get a no-frills checking that keeps things simple so you can get on with your day.
- $25.00 Minimum opening deposit
- No monthly service fee
- No minimum balance requirement
- Overdraft Protection
- Telephone, Mobile and Online Banking
- Debit Card
- Access to over 55,000 fee-free Allpoint® ATMs worldwide
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Dividend
Dividend Checking
Already financially savvy and looking for ways to make your money work for you? Look no further than HPCU's Dividend Checking account.
A Dividend Checking account can help your money work as hard as you do. Earn monthly dividends so you can start laying the foundation for your financial success story.
- Earns dividends that are compounded daily, and paid monthly when a $500.00 daily balance is maintained
- $25.00 Minimum opening deposit
- No monthly service fee when $500.00 daily balance is maintained
- Overdraft Protection
- Telephone, Mobile and Online Banking
- Debit Card
- Access to over 55,000 fee-free Allpoint® ATMs worldwide
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Silver Star
Silver Star Checking
Are you near retirement? You can finally cash in on those countless years of hard work with well-deserved benefits—starting with HPCU’s Silver Star Checking account. The Silver Star Checking account was developed to suit your needs for the next chapter of life so you can have a hassle-free checking account and earn some money at the same time!
- Earns dividends that are compounded daily, and paid monthly when a $500.00 daily balance is maintained
- $25.00 Minimum opening deposit
- No monthly service fee
- No minimum balance requirement
- Overdraft Protection
- Telephone, Mobile and Online Banking
- Debit Card
- Access to over 55,000 fee-free Allpoint® ATMs worldwide
- Complimentary box of Silver Star Checking account checks
- Discount on reorders of Silver Star Checking account checks
- Discount on renewal of safe deposit boxes
- Discount on purchase of money orders
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Five Star
Five Star Checking
Are you searching for a great starter account for your teen? Launch your teen toward financial responsibility with our Five Star Checking account (ages 13-17)! Joint ownership allows for guidance and monitoring.
- $25.00 Minimum opening deposit
- No monthly service fee
- No minimum balance requirement
- Telephone, Mobile and Online Banking
- Debit Card
- Access to over 55,000 fee-free Allpoint® ATMs worldwide
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Estate
Estate Checking
Selflessness and heroism should be honored. At HPCU, we’re here to support our members during their most difficult times. Our Estate Checking account is specifically designed to help family members pay for a loved one’s final expenses and offers a low opening deposit while continuing to earn dividends.
- Earns dividends that are compounded daily, and paid monthly when a $500.00 daily balance is maintained
- $25.00 Minimum opening deposit
- No monthly service fee when $500.00 daily balance is maintained
- Telephone, Mobile and Online Banking
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Overdraft Protection
Maintain uninterrupted transactions with HPCU's Overdraft Protection options. We offer two solutions to ensure your checks and debit card purchases are always honored.
Linked Savings Account or Line of Credit
Enrolling is simple, for a $4.00 fee per transaction, HPCU will automatically transfer enough funds to cover your check or debit card overdraft transactions. Transfers are made for the dollar amount of the overdraft transaction and if multiple overdrafts occur on the same day, a transfer for each transaction will be made to cover those overdrafts as long as the funds are available in your savings or line of credit.
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Check Sentry Courtesy Pay Program
Need an added layer of protection? HPCU has you covered with our Check Sentry Courtesy Pay Program. If a check or debit card transaction causes an enrolled checking account to become overdrawn, this program allows us to honor the transaction presented for a fee.
- No monthly service fee for unused funds
- $750.00 maximum coverage limit
- $20.00 fee per each overdrafted transaction
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Visit us at one of our branch locations or give us a call to open a checking account and enroll in an overdraft protection option, today.
*Overdraft protection is subject to a fee and/or charge. Please see our Fee Schedule for a current list of fees and charges. With the Check Sentry Courtesy Pay Program, HPCU will pay overdrafts at its discretion and does not guarantee that it will always authorize and/or pay any type of transaction. Not all members and accounts are eligible for enrollment in the Check Sentry Courtesy Pay Program. Subject to Underwriting.
*HPCU does not charge a fee to enroll in or access eAlerts, eNotifications, mobile deposit, text message alerts or mobile banking. However, text message charges and/or mobile internet data charges may apply and are the responsibility of the user while accessing the service. Contact your mobile service provider for details.
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