Share Draft Checking
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A checking (share draft) account is the cornerstone of any
financial relationship, and HSFCU offers one of the
best. You'll love the many ways this account provides
more convenience for you and saves you time. Plus ...
our checking is FREE!
No Minimum Deposit or Balance Requirements
Many financial institutions require a minimum deposit to open a
checking account and then require a minimum monthly balance to avoid
fees. With HSFCU, there are no minimum deposit or balance requirements. To repeat, your checking account is really FREE!
FREE Direct Deposit
Sign up for direct deposit and have your paycheck deposited directly
into your checking account. You’ll have faster access to your funds and
added peace of mind, too — whether you’re at home or traveling. Since
the money goes directly into your account and not into your mailbox,
direct deposit protects your paycheck from being lost or stolen when
you’re away.
Overdraft Protection — The Choice Is Yours
HSFCU offers three options for overdraft protection, allowing you to
avoid both expense and embarrassment should a check be returned for
insufficient funds.
- Apply For Our Overdraft Line of Credit
Our line of credit combines an easy application process with the overdraft protection you
want. Funds are automatically transferred when you need them.
- Transfer Money From Your Share Savings Account
Have money transferred from your regular share account to your draft account in order to cover the overdraft. You are allowed this type of transfer up to three times per month, and there is a small fee per transfer to your account.
- Overdraft Privilege
Overdraft Privilege is not a line of credit, but a courtesy extended to members who qualify,
in which checks are covered up to a pre-determined amount. Although HSFCU’s normal
non-sufficient funds fees apply, eligible members can avoid merchant returned check fees
and the resulting hassle. Overdraft Privilege protects you not just for check writing, but
ATM withdrawals and online purchases as well.
FREE Visa® Check Card or ATM Card
With HSFCU’s Visa Check Card or ATM Card, paying for purchases or
getting cash is quick and easy. Use your Visa Check Card to make
purchases anywhere that accepts Visa debit or at thousands of ATMs with
the STAR™, PLUS™ or Visa emblems.
Our ATM Card provides the same convenient access to cash at STAR, PLUS
and CU24 ATMs, and you can pay for purchases at merchants that
participate in the STAR Point-of-Sale (POS) program. Also, you may use
your card at surcharge-free ATMs with the CU24/CU HERE emblem.
Please contact us for more information.
FREE Online Banking
Sign up for this online service and enjoy the convenience of 24-hour, 7-day access to your
checking and share savings accounts. You can view your account balance in real time, make
sure that checks have cleared and more!
Online Bill Pay
Pay your bills from your home or office computer with our optional Bill Pay Service. You can pay
bills any time of day or night, transfer money between accounts, track your bill payments and
set up repeating payments for up to 12 months in advance.
Earn Dividends, Too
Your checking account will begin to earn dividends, once the balance in your account reaches a total of $1,000 or more. Dividends are paid quarterly.
To take advantage of the outstanding benefits that an HSFCU checking
account provides, contact us today! Stop by, call 703-776-2700 or
1-800-250-9676 for more information.
Second Chance Checking
If you've ever had problems that have caused other institutions to deny you a checking account or revoke your checking
privileges, HSFCU's Second Chance Checking Account gives you a second chance at financial health. This checking account
is a useful way to take charge of your financial future, improve your money management skills and polish up your credit
rating.
Second Chance Checking offers many convenient features, such as:
- Free Direct Deposit
- Free ATM Card available 90 days after the account is opened (subject to Credit Union review)
- Free Online Banking
- Online Bill Pay
- Free checking account management class provided to the owner(s) of the account
- Potential upgrade to a regular Share Draft Checking Account after one year*
There is a monthly maintenance fee of $10 for this account. To learn more about Second Chance Checking,
contact an HSFCU representative or call 703-776-2700.
*After one year of satisfactory management of the account, a regular Share Draft Checking Account may be offered to
the account owner. Any overdrafts or returned deposit items occurring in conjunction with the Second Chance
Checking Account will result in the immediate closing of this account. The Credit Union reserves the right to
close this account at any time without prior notice, at its sole discretion.
Regular Share Accounts
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Become a member of HSFCU and enjoy a lifetime of financial services and
benefits. All it takes to establish your membership is a deposit of
$50 or more to open your share account. Then, make your deposits and
watch your money grow. And with our tiered rates, as your balance
increases, so do your dividends.
Money Market Accounts
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If you are seeking a flexible account that earns a competitive rate and provides quick access to
your funds, our Money Market Account is for you. This account is especially useful for long-term
savings goals such as an emergency fund or a new car and earns a higher rate than our Regular Share
or Share Draft accounts.
- As your balance increases, so do your earnings with our tiered rates (after your savings reach $1,500)
- Make unlimited withdrawals in person
- Make limited withdrawals by check or by transferring funds (ask us for details
For more information about our Money Market Accounts, contact an HSFCU representative or call 703-776-2700.
Individual Retirement
Accounts | Check Out Our Rates
Invest in your future by opening an Individual Retirement Account
(IRA). We offer Traditional, Roth and Education IRAs. Save for a
comfortable retirement or a great education for your kids, and enjoy
the tax benefits that IRAs provide. You can make contributions
whenever you like, with as little as $5.
Falls
Church, VA 22042
