Checking Accounts

Whether you’re ready for your first checking account or looking to upgrade, you should turn to Houston Police Credit Union for 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 no fees.

We offer several checking options—one that will meet your individual needs.

 

Economy

Economy Checking

We all have enough to think about on any given day. With our Economy 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
  • Complimentary Bill Pay2 with eStatements
  • Overdraft Protection2
  • Telephone, Mobile3 and Online Banking
  • Debit Card
  • Access to thousands of Shared Branches nationwide and hundreds of surcharge-free Credit Union Friendly ATMs in the Houston area

Are you searching for a great starter account for your teen? Our Five Star Checking account is available for those ages +13, 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.

Dividend1

Dividend Checking1

Life is busy. And it seems like it gets more hectic as time goes by. Now is the time to start getting more serious about your finances so you can prepare for what life’s got down the road.

A Dividend Checking account1 can help your money work as hard as you do. Earn dividends with no monthly service fees so you can start laying down the foundation to your financial success story.

  • Earns dividends that are compounded daily, and paid monthly when a $500.00 daily balance is maintained
  • $100.00 Minimum Opening Deposit
  • No Monthly Service Fee
  • Complimentary Bill Pay2 with eStatements
  • Overdraft Protection2
  • Telephone, Mobile3 and Online Banking
  • Debit Card
  • Access to thousands of Shared Branches nationwide and hundreds of surcharge-free Credit Union Friendly ATMs in the Houston area

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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 these 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 your life so you can have a hassle-free checking account and earn some money at the same time!

Here are all the benefits and features to our Silver Star Checking account:

  • Earns dividends that are compounded daily, and paid monthly when a $500.00 daily balance is maintained
  • $100.00 Minimum Opening Deposit
  • No Monthly Service Fee
  • No Minimum Balance Requirement
  • Discount on Bill Pay2
  • Complimentary Bill Pay2 with eStatements
  • Overdraft Protection2
  • Telephone, Mobile3 and Online Banking
  • Debit Card
  • Access to thousands of Shared Branches nationwide and hundreds of surcharge-free Credit Union Friendly ATMs in the Houston area
  • 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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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
  • No Minimum Balance Requirement
  • Telephone, Mobile3 and Online Banking
  • Access to thousands of Shared Branches nationwide and hundreds of surcharge-free Credit Union Friendly ATMs in the Houston area

Get Rates

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 several overdraft protection2 options to save you from those embarrassing moments.

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.
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.

Accounts & Services

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