Fiduciary Cash Back Checking

We make managing your money easy and free with a Fiduciary Cash Back checking account.  You’ll earn cash back when you use your debit card, plus, there’s no monthly fee and no minimum balance. It’s everything you want in a checking account, and nothing you don’t.

Earn cash back when you use your debit card on purchases over $10*. Money is deposited right back into your checking account.
Early payday lets you access your direct deposit funds up to 2 days early, allowing you to stay ahead of the budgeting game.

A financial safety net with low fees that won’t break the bank, included with every HCU Fiduciary Cash Back checking account.

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Fiduciary Cash Back Checking Features

  • Totally free checking with no minimum balance
  • Earn cash back when you use your debit card on purchases over $10*
  • Discount on a new closed-end consumer loan with active HCU Checking
  • Change is Good will automatically round up your debit card purchase and place the excess amount directly into savings
  • Early payday lets you access your direct deposit funds up to 2 days early
  • Overdraft Protection to save you from unnecessary fees
  • Deposit checks from anywhere using Instacheck Mobile Check Deposit
  • Free first box of checks
  • Free unlimited Bill Pay
  • Unlimited free transactions at HCU and CO-OP Network ATMs
  • $500 instant credit for deposits at HCU ATMs
  • Paper statements: $3 monthly fee
  • Checking account transition loan: $1,000, 0% APR loan for 90 days to get everything situated comfortably
  • Free HCU Visa debit card
  • Can be opened as a Trust account
*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.