Checking Accounts
Whether you’re ready for your first checking account or looking to upgrade, Houston Police Credit Union has the account for you and your financial needs. Why HPCU? Because we know how important it is to have your checking account accessible 24/7, and we understand your need for convenient services with little to no 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 Protection2
- Telephone, Mobile3 and Online Banking
- Debit Card
- Access to over 55,000 fee-free Allpoint® ATMs worldwide
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Dividend1
Dividend Checking1
Already financially savvy and looking for ways to make your money work for you? Look no further than HPCU's Dividend Checking account1.
A Dividend Checking account1 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 Protection2
- Telephone, Mobile3 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 Protection2
- Telephone, Mobile3 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 boxes2
- Discount on purchase of money orders2
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Five Star
Five Star Checking
Are you searching for a great starter account for your teen? Our Five Star Checking account is available for those ages 13-17, making it the perfect account to get that young person in your life started on the right path to learning financial responsibility. As a joint owner, you have access to the account to help monitor and mentor their spending habits.
- $25.00 Minimum opening deposit
- No monthly service fee
- No minimum balance requirement
- Telephone, Mobile3 and Online Banking
- Debit Card
- Access to over 55,000 fee-free Allpoint® ATMs worldwide
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Estate1
Estate Checking1
Selflessness and heroism should be honored. At HPCU, we’re here to support our members during their most difficult times. Our Estate Checking account1 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, Mobile3 and Online Banking
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Overdraft Protection2
Life is busy and things happen, but there is nothing more embarrassing than bouncing a check or having your debit card declined. Get the coverage you deserve with overdraft protection2 from HPCU. We offer two amazing options to save you from those embarrassing moments.
Linked Savings Account or Line of Credit2
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 Program2
Need an added layer of protection? HPCU has you covered up to a $750.00 limit with our Check Sentry Courtesy Pay Program2. 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 $20.00 fee per transaction—much less than most bank fees. There’s no monthly service fee to enroll in the program. So if you don't use it, you pay nothing.
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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 protection2 option, today.
1 Subject to a Low Balance Fee of $5.00 for that monthly statement cycle if, during any monthly statement cycle, account balance falls below the required minimum daily balance. See our current Fee Schedule and Membership Agreement for a complete list of fees.
2 Service 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.
3 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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