Share Draft (Checking)

Your HUD FCU 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.

HUD-Checking-Pen-Icon
Share Draft (Checking)

Your HUD FCU 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.

ACH/Routing Number Information:

The routing number (ABA) at HUD Federal Credit Union is 254074730. Automated payments (also known as Automated Clearing House or ACH) and Automated Deposits (also known as Electronic Funds Transfer or EFT) are a fast, convenient and safe method to move money into your HUD FCU accounts. Whether it’s your payroll, tax refund payments, Social Security benefits or payments like insurance premiums, health club dues or your mortgage payment, doing your transactions electronically saves time and hassle. When establishing an EFT or ACH transaction, please use the following information:

  • ACH/Routing Number 254074730
  • Member/Account Number: Use your HUD FCU member/account number
  • Account: Type Savings or Checking

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Other Services

  • Payroll Deductions: The “painless” way to save or repay a loan.
  • Direct Deposit: Send your entire paycheck to us for automatic credit to savings, checking and/or loans.
  • Honor®, Cirrus, Plus, Visa ATMs: 24-hour access to cash wherever you are!
  • Express Teller Phone: Our 24-hour audio response service that allows you to “talk” to your account when you use a touch-tone telephone and prescribed access code.
  • Wire Transfers: Immediate transfer to/from accounts in your name.
  • Prime Time Club: Special membership advantages for members over 50 years of age.
  • And More: We’ve got buyers’ guides, notary service, tax preparation service (seasonal), optional credit life and credit disability, and other product services to provide full service convenience everyday!

Business Banking:

Merchant Credit Card Acceptance Program: HUD Federal Credit Union has formed an alliance with Encore Merchant Services to offer you a full service credit card acceptance program to meet your business needs. A few of the many benefits you will enjoy by processing with EMS are listed below:

  • Competitive processing rates
  • No long-term contract or hidden fees
  • Exceptional Help Desk service available 24X7 for your convenience
  • MasterCard, Visa, American Express  Discover and Diners Club card acceptance
  • PIN-based debit and electronic check acceptance
  • New or refurbished point-of-sale equipment
  • Internet and software solutions available
  • Affordable gift card programs

Whether you are a new or established business, an Encore Merchant Services representative will assist you with evaluating your credit card processing needs.  Competitive rates and equipment options will be provided to you within 24 hours and your account can typically be set up within

5 – 7 business days.  Credit card acceptance is proven to increase your business’ sales volume.  Expand your payment options today by accepting credit cards, and watch your business grow.

To find out more about this comprehensive service, contact a credit union representative or call Encore Merchant Services at 1-866-216-1437. You may also visit the EMS website to request an on-line price quote for processing services.

For your security, please do not give your personal information (SOCIAL SECURITY NUMBER or ACCOUNT NUMBER) to any outside person or company by mail, e-mail, or telephone.

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