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HOPE Checking Accounts

EasyCheckingTitle

Managing your life isn't always easy. Managing your money should be.

Our checking accounts provide an affordable and easy-to-use alternative to check cashers and predatory lenders, and people can qualify even with previous blemishes on their financial record.

When you're ready to bank on your own terms, you're ready for a checking account from HOPE.

Rewards Checking

Be sure to check out our free HOPE Rewards Checking accounts, where you can earn massive interest with no minimum balance and no monthly fees!

Easy Checking

  • Pay bills, make purchases, and manage your account quickly and easily

  • HOPEAnytime Check Card 24/7 easy access

  • Unlimited transactions

  • $25 minimum balance

  • $9.95 monthly fee (waived with $200 minimum balance)

Easy Checking Plus

  • Same great benefits as Easy Checking with added bonus of paper checks

  • HOPEAnytime Check Card 24/7 easy access

  • Unlimited transactions

  • $0 minimum balance

  • $7.95 monthly fee (waived with $250 minimum balance)

Our checking accounts include:

E-Statements

Sign up for E-Statements and have your statements delivered right to your inbox! You can view them online, print them out, or save them to your files. Each month, you'll receive an e-mail notifying you when your e-statement is ready to be viewed at our secure web site. Why are E-Statements a great choice? Easy online access and retrieval Reduce mailbox clutter Enhanced security Automatic storage of your statements for 24 months Email notices when your statement is ready to view, print, or download In addition to the added convenience of E-Statements, you'll also be helpgin to save the planet! Conserving natural resources has never been more important than it is today.  You can join millions of others in a global effort to protect the environment by signing up for electronic statements for your credit card account.

Member Privilege Overdraft Protection Program

Accidentally make a purchase without sufficient funds in your account to cover it? Let HOPE cover these transactions for you with our Member Privilege overdraft protection program. Learn more about our Member Privilege Program.

Shared Branching Network Access

Even when there is no HOPE branch close by, you can conduct transactions at more than 3,600 credit union branches that are part of the Credit Union Service Center Network. Conduct HOPE transactions at any of these locations just as if you're at a HOPE facility. Visit www.creditunion.net to find a participating branch near you.

Automatic Transfers/Drafts

Schedule money to be moved from one account to another as you require. You can also have bills or loan payments taken care of without having to worry about writing checks or putting a stamp on an envelope.

Direct Deposit

Put funds into a HOPE account without ever coming to the credit union. Sign up for direct deposit and have funds automatically sent to your account electronically. The funds are available immediately, and you never need to worry about a lost check.

HOPE24 Telephone Banking

Bank with just the touch of a finger. Check balances, get transaction histories, and transfer funds from any touchtone phone by calling 1-877-214-HOPE. Simply follow the voice prompts to make your money work for you.

HOPEAnytime Check Card

Take charge of your finances by using the HOPEAnytime Check Card anywhere that VISA® is accepted. The funds for your purchase will be drawn from your checking account - just like a check. The HOPEAnytime Check Card also works at any ATM that is part of the PULSE, Credit Union 24, or MoneyPass networks.

HOPEAnytime ATM Card

Use your HOPEAnytime ATM Card to get cash, transfer funds, and check balances from thousands of automated teller machines that are part of the PULSE, Credit Union 24, or MoneyPass networks.

HOPENet Online Banking and HOPENet Plus with Bill Pay

A click of the mouse is all you need to manage your money from any internet-accessible computer. Check your balances, transfer funds, or apply for a loan whenever and wherever it's convenient.  Accounts that offer HOPENet Plus also allow you to pay your bills electronically.

Federally-Backed Security

Your HOPE Wealth Building Account comes with peace of mind. Each depositor is federally insured for up to $ 250,000 by the National Credit Union Administration.

Read more about this account in our HOPE Easy Checking brochure.

1 Fees subject to change.
2 ATMs that are not part of the HOPE network may charge additional fees for these services.

 

HOPE Rewards Checking

Enjoy a Free HOPE Account and Get Money Back

Earn up to 3.01% APY1 each month with no fee and no minimum balance!2

Are you paying a financial institution just to have a checking account with them?  Are they showing you any love by rewarding you for that relationship?

If not, you need a HOPE Rewards Checking account!3  It’s a free account that puts cash back in your pocket. 

Here’s what you get: 

  • A free account with no monthly service charge.  
  • Cash paid into your account each month.4 
  • Free HOPENet Online Banking service. That includes our bill payment feature. 
  • Free HOPE Mobile Banking access.5 
  • Refunds on up to $20 in ATM fees.6

How much can you earn? 

  • Without doing anything, you get 0.10% APY1 on all balances. 
  • Turbocharge your earning by meeting the simple qualifying criteria each month: 
    • 3.01% APY1 on all balances up to $10,000 
    • 0.50% APY1 on all balances over $10,000

So what does it take to get that bonus rate?  It’s pretty simple!  Each month7 you need to: 

  • Have 12 debit card transactions post to and clear your account.8,9 
  • Log on to HOPENet Online or HOPE Mobile5 just once. 
  • Be signed up for and receive e-statements. 
  • Have at least one direct deposit or automatic payment (ACH) clear your account.8

What if you don’t qualify during a particular month? Don’t worry: you still get the base rate paid back into your account.  Then just meet the criteria the next month to earn the bonus rate.

Still want to earn more? Our HOPE Rewards Checking Plus account adds a connected HOPE Rewards Savings Plus account. 

 

 

*APY=Annual Percentage Yield. APYs accurate as of 03/01/2013. Rates may change after the account is opened. There is no minimum balance required to open a HOPE Rewards Checking account. If HOPE Rewards Checking qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to the account on the last day of monthly statement cycle; an ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher; (2) balances up to $10,000 receive an APY of 3.01%; and (3) balances over $10,000 earn a 0.50% dividend rate on the portion of the balance over $10,000, resulting in 3.01% - 0.73% APY depending on the balance. If qualifications are not met on HOPE Rewards Checking accounts, all balances earn 0.10% APY. Qualifying transactions must post to and settle to the HOPE Rewards Checking account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle in the account. Transfers between accounts do not count as qualifying transactions. ATM-processed withdrawals do not count as qualifying debit card transactions. The qualification cycle is not the same as your monthly statement cycle. The Qualification Cycle is defined as the first calendar day of the month through the last calendar day of the month (example: March 1 - March 31). Contact us for more information about the qualification cycle. The advertised HOPE Rewards Checking APY is based on compounding dividends. Dividends earned in a HOPE Rewards Checking Plus account are automatically transferred to a linked HOPE Rewards Savings Plus account each statement cycle and do not compound. The actual dividend amount paid may be less than the advertised HOPE Rewards Checking account APY. The HOPE Rewards Savings Plus APYs may be less than HOPE Rewards Checking account APYs. If qualifications in a HOPE Rewards Checking Plus account are met each monthly qualification cycle: (1) balances up to $10,000 in HOPE Rewards Savings Plus receive an APY of 1.01%; and (2) balances over $10,000 in HOPE Rewards Savings  Plus earn 0.50% dividend rate on portion of balance over $10,000, resulting in 1.01% - 0.52% APY depending on the balance. If qualifications are not met on HOPE Rewards Checking Plus accounts, all balances in HOPE Rewards Savings Plus accounts earn 0.10% APY. At our discretion, we may change the dividends paid on all tiers, and/or cap at any time. Fees may reduce earnings. Members are limited to one HOPE Rewards Checking account as a primary account holder. No commercial account may participate in this program.

Easy Checking

Pay bills, make purchases, and manage your account quickly and easily with HOPE Easy Checking. Features of this account include:

  • HOPEAnytime Check Card 24/7 easy access
  • Unlimited transactions
  • $25 minimum balance
  • $9.95 monthly fee (waived with $200 minimum balance)

Read more about this account in our HOPE Easy Checking brochure.

Easy Checking Plus

HOPE Easy Checking Plus comes with the same great benefits of our Easy Checking, but with the added bonus of paper checks.

  • HOPEAnytime Check Card 24/7 easy access
  • Unlimited transactions
  • $0 minimum balance
  • $7.95 monthly fee (waived with $250 minimum balance)

Read more about this account in our HOPE Easy Checking brochure.

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