CHECKING ACCOUNTS
At HUDFCU, we offer two different types of checking accounts to best meet your needs. Explore the below options to learn more about the features and benefits of each.
Financial Freedom starts with budgeting and taking control of your finances. Learn more about how to start, maintain and choose a budget here.
Share Draft (Regular) Checking
Your HUDFCU checking account requires no minimum balance and there is no monthly service charge! You pay only for special requests. Enjoy ATM and Point-of Sale access, plus overdraft protection.
Learn more about features and benefits
The HUDFCU Visa Debit Card offers a number of benefits:
- Access money directly from your checking account
- View complete transaction history via mobile or online banking
- Convenient and quick purchases
- Accepted at millions of locations worldwide
- Easier than cash or checks
- Shop online, at stores or over the phone
- Access money for free at thousands of ATMs nationwide
- Secure EMV Chip
- Protects you from unauthorized purchases with HUDFCU's Zero Liability policy
- Safer than carrying cash
- We notify you of unusual activity and protect you from debit card fraud
- Our staff is available if you have any concerns about your account
Don’t have an HUDFCU Visa Debit Card? Call us at 202-683-2800 ext 3 to order one.
We don't like monthly fees either. That's why you'll never pay one at HUDFCU
Whether you plan to deposit $1 or $1 million, the HUDFCU Share Draft (Regular) Account is available to you.
Write as many checks as you would like. We'll never charge you a fee for processing your checks.
Free, secure digital banking access is available to you 24/7/365 via Online Banking and Mobile Banking.
Our digital banking has a number of features to make your life easier. Conveniently pay any business or person from online banking with our free Bill Pay service. Access your statements securely online with e-statements.
Use your HUDFCU Visa Debit Card anywhere Visa is accepted.
Checking accounts come with our standard overdraft privilege. Your overdraft will be made automatically available to you after you’ve held your Checking account in good standing for at least 90 days. With overdraft protection, we will authorize and pay the following types of transactions:
- Checks and other transactions made using your checking account number
- Automatic bill payments
You can also request that we authorize and pay overdrafts for the following types of transactions:
- ATM transactions
- Everyday debit card transactions
We will charge you an insufficient fund fee of $35.00 each time we pay an overdraft, and there is no limit on the total fees we can charge you for overdrawing your account.
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined and you are responsible for the payment.
Access money surcharge free at locations you already visit like 7-Elevens and Rite Aids. Use our locator service to find the nearest surcharge free ATMs to you.
Make cash deposits or access teller services nationwide. Use our locator service to find the nearest shared branch.
To open a checking account, you must be a member of HUDFCU. Establishing your membership is easy – just open a primary share savings account. See if you’re eligible for membership. For additional information or assistance, please call us at 202-863-2800 ext 3.
Prime Time Checking
The Prime Time Club offers special advantages for members over 50 years of age.
Learn more about features and benefits
The HUDFCU Visa Debit Card offers a number of benefits:
- Access money directly from your checking account
- View complete transaction history via mobile or online banking
- Convenient and quick purchases
- Accepted at millions of locations worldwide
- Easier than cash or checks
- Shop online, at stores or over the phone
- Access money for free at thousands of ATMs nationwide
- Secure EMV Chip
- Protects you from unauthorized purchases with HUDFCU's Zero Liability policy
- Safer than carrying cash
- We notify you of unusual activity and protect you from debit card fraud
- Our staff is available if you have any concerns about your account
Don’t have an HUDFCU Visa Debit Card? Call us at 202-683-2800 ext 3 to order one.
You'll receive competitive dividends. Click here for current rates.
We don't like monthly fees either. That's why you'll never pay one at HUDFCU
Whether you plan to deposit $1 or $1 million, the HUDFCU Share Draft (Regular) Account is available to you.
Write as many checks as you would like. We'll never charge you a fee for processing your checks.
Free, secure digital banking access is available to you 24/7/365 via Online Banking and Mobile Banking.
Our digital banking has a number of features to make your life easier. Conveniently pay any business or person from online banking with our free Bill Pay service. Access your statements securely online with e-statements.
Use your HUDFCU Visa Debit Card anywhere Visa is accepted.
Checking accounts come with our standard overdraft privilege. Your overdraft will be made automatically available to you after you’ve held your Checking account in good standing for at least 90 days. With overdraft protection, we will authorize and pay the following types of transactions:
- Checks and other transactions made using your checking account number
- Automatic bill payments
You can also request that we authorize and pay overdrafts for the following types of transactions:
- ATM transactions
- Everyday debit card transactions
We will charge you an insufficient fund fee of $35.00 each time we pay an overdraft, and there is no limit on the total fees we can charge you for overdrawing your account.
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined and you are responsible for the payment.
Access money surcharge free at locations you already visit like 7-Elevens and Rite Aids. Use our locator service to find the nearest surcharge free ATMs to you.
Make cash deposits or access teller services nationwide. Use our locator service to find the nearest shared branch.
To open a checking account, you must be a member of HUDFCU. Establishing your membership is easy – just open a primary share savings account. See if you’re eligible for membership. For additional information or assistance, please call us at 202-863-2800 ext 3.
© 2024 HUD Federal Credit Union. All Rights Reserved. Federally insured by the National Credit Union Administration, a U.S. Government Agency. Deposits insured up to $250,000.
This credit union is federally insured by the National Credit Union Administration. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS #: 438402