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Checking Accounts

At Houston Police Credit Union, we provide a comprehensive selection of checking accounts tailored to meet your specific needs, whether you're opening your first account or seeking more advanced banking solutions. We recognize the importance of having 24/7 access to your funds and prioritize offering convenient services with minimal fees.

Free

Free Checking

Our Free Checking account offers simple banking without unnecessary features, allowing you to concentrate on what really matters.

$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

Dividend

Dividend Checking

A Dividend Checking account can help your money work as hard as you do. Earn monthly dividends to 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

Silver Star

Silver Star Checking

Approaching retirement? Reward your hard work with HPCU's Silver Star Checking. Experience effortless banking and earn more for your next chapter.

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
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

Estate

Estate Checking

HPCU is dedicated to supporting our members during their most challenging times. Our Estate Checking account alleviates financial burdens with a low opening deposit and ongoing dividend earnings, allowing you to focus on what truly matters.

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

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. 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.

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 for each overdraft transaction

Additional Information on HPCU's Check Sentry Courtesy Pay Program

We do authorize and pay overdrafts for the following types of transactions:

Checks and transactions using your checking account number
Automatic bill payments
Recurring debit card transactions

We do not authorize and pay overdrafts for the following types of transactions unless you ask us:

ATM transactions
Everyday debit card transactions

Under our Check Sentry Courtesy Pay Plan:

You are subject to a $20 fee each time HPCU pays an overdraft
There is no limit on the total fees that HPCU can charge for overdrawing your account
Checking accounts are subject to charge off at 45 days if negative balance is not paid in full
Savings accounts are subject to charge-off at 60 days if negative balance is not paid in full

*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.

*If Dividend Checking falls below the minimum daily balance of $500.00 at any point during the month a monthly fee of $5.00 will be assessed.