We offer five great options to empower your success. They all come with lots of free features that help you make the most of your money.
HOPE Rewards Checking
5.12
%
APY
Find the Best Checking Account for You
All HOPE Checking Accounts Offer:
- Free Digital Banking (Online and Mobile)1
- Free Bill Pay
- Free Remote Check Deposit
- Free HOPE24 Telephone Banking
- Free E-Statements
- Free HOPEAnytime ATM/Debit Card
- Free Direct Deposit
- Automatic Transfers/Drafts
- Overdraft Protection Program
- Shared Branching Network Access
- Federally Backed Security
1Wireless carrier text and data fees may apply.
Easy Checking
Easy Checking is a great account for people who have never had a checking account before.
Learn MoreEasy Checking Plus
HOPE’s Easy Checking Plus account offers the same great benefits as our Easy Checking account.
Learn MoreStudent Checking
If you’re just starting your financial journey, you want a checking account that has lots of options without a lot of fees or hassle.
Learn MoreChoice Card
Gives you the flexibility to access and manage your money with the convenience of a debit-card-only account.
Learn MoreChecking Account Comparison Chart
| Easy Checking | Easy Checking Plus | HOPE Rewards Checking | Student Checking | HOPE Choice Card | |
|---|---|---|---|---|---|
| Opening Balance Requirement | $25 | $0 | $0 | $0 | $0 |
| Minimum Balance | $25 | $0 | $0 | $0 | $0 |
| Monthly Fee | $9.95 Waived with $200 Minimum Balance | $7.95 Waived with $250 Minimum Balance | $0 | $0 | $4 |
| Unlimited Transactions | ✓ | ✓ | ✓ | ✓ | ✓ |
| Electronic Transactions | ✓ | ✓ | ✓ | ✓ | ✓ |
| Paper Checks | ✓ | ✓ | ✓ | ✓ | ✓ |
| Free HOPENet Online Banking | ✓ | ✓ | ✓ | ✓ | ✓ |
| Free HOPENet Online Bill Payment | ✓ | ✓ | ✓ | ✓ | ✓ |
| Free HOPE Mobile Banking1 | ✓ | ✓ | ✓ | ✓ | ✓ |
| Free E-Statements | ✓ | ✓ | ✓ | ✓ $2.00 Monthly Paper Statement Fee | ✓ |
| Member Privilege Overdraft Protection Program | Available | Available | Available | Available | Available |
| More> | More> | More> | More> | More> |
3 Easy Ways to Open an Account
Open Online
It’s quick and convenient to open your account online with our easy-to-use application.
Open AccountVisit a branch
Stop by your nearest branch and open your account with a representative.
Find a BranchWhy Open a Checking Account with Hope Credit Union?
Free Services
All our checking accounts offer free digital banking3, electronic bill payment, e-statements, HOPEAnytime Check Cards, and direct deposit.
Fewer Fees
We know you work hard for your money, so you deserve to keep more of it. Our accounts have fewer fees than big banks and check cashers.
No (or Low) Opening Balance Requirements
Four of our five accounts have no minimum opening balances. Accounts that waive monthly fees based on balances also require very small minimum balances to receive that benefit.
Opportunities For All
We believe everyone deserves access to affordable everyday financial services. We have account options for individuals with no or damaged credit history.
Frequently Asked Questions
These are some of the things people want to know most often about our checking account options.
How do I open a checking account?
You can open a checking account online or in-person at a branch. We can also provide assistance and help you get started over the phone.
What type of information do I need to open a checking account?
When opening a checking account, you will need:
- Two forms of ID (one photo ID)
- Proof of Address (if current address is different than shown on ID)
- Check or Money Order (or Cash at branches only) for:
- Membership Fee: $10
- Initial Deposit: Minimum $15 in a basic savings account
- Deposits for any additional accounts you wish to open.
How long does it take to open a checking account?
It takes minutes to open your checking account online or in person.
How long does it take to get a debit card?
After your checking account is opened, you’ll receive your HOPEAnytime ATM/check card within 12 to 15 business days. This card allows you to make purchases in-person or online and withdraw cash at ATMs.
I have a bad, limited or no credit history. Can I still open a checking account?
What’s included for free with my checking account?
All HOPE checking accounts feature:
- Free HOPE digital banking (online and mobile)
- Free digital BillPay
- Free HOPE24 telephone banking
- Free e-statements
- Free HOPEAnytime ATM/check card
- Free direct deposits
- Free automatic transfers
- Overdraft protection options
- Free access to our shared branch network
- Federally backed insurance from the National Credit Union Administration
Find a Location
HOPE has 23 locations ready to serve you across the Deep South. Additionally, HOPE is a member of the Shared Branching Network. This affiliation allows HOPE members to visit more than 5,000 credit union locations nationwide.
Contact Us
If you have questions or need additional information about a checking account, send a note to your closest branch.