Checking

At HRCU, our checking accounts are flexible, easy to use, and backed by the personal service and savings you'd expect from your neighborhood credit union. 

  • Free Checking: Enjoy no fees and no fuss for your banking needs
  • Regular Checking: Get everyday banking, plus a little extra with interest
  • 55+ Checking: Tailored with extra benefits and features
  • Teen Checking: Designed for the future money masters of tomorrow
  • Hero Checking: A small thank you to first responders, military personnel, and veterans
Open an Account

The latest digital tools and friendly service you can count on.


Card Management

Our new card management tool gives your HRCU debit and credit cards enhanced security features, controls, and spending insights.

Learn More about Card Management

Bank (Almost) Anywhere

Take HRCU with you, with free access to your account at thousands of surcharge-free ATMs and credit union branches nationwide.

Learn More about our ATMs

Get Paid Early

Put your money in your wallet faster and get paid up to 2 days early with our Direct Deposit. 

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Digital Banking

When life gets busy, bank on your own schedule with HRCU's mobile and online banking.

Setting Up Your Direct Deposit and Payments

Move your direct deposits and automatic payments to your new HRCU account, securely and hassle-free in your online account. 

Setting Up your Direct Deposit: 

  • Grab your new Checking Account Number
  • Have our Routing Number: 211489669
  • Speak to your employer's HR or Payroll Department, or contact the Social Security office (if applicable) to update their records.

Setting Up Payments:

There are two ways to pay your bills and loans through online banking. If you are looking to set up a reoccurring or one-time payment option for your loan or visa bill, use Automatic Payments. If you are looking to set up a payment for your fixed bill, such as for your internet or cable, take advantage of our Bill Pay. Note: Bill Pay should not be used with bills that change monthly, such as an electric bill. 

Click here for Auto Pay instructions. 

Click here for Bill Pay instructions.

For questions, our team is here to help! Contact our Member Support or stop by a branch.

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Transaction & Overdraft Protection

Mistakes happen. That's why we've got your back to protect your checking account from costly overdrafts when you don't have enough funds to cover a transaction.

Options:

  • Savings Overdraft Protection: Automatically transfer funds from a linked HRCU savings or secondary account to pay an item*
  • Courtesy Pay: With this option, the credit union may authorize and cover checks, ACH, and automatic bill payments if funds are unavailable.* Members must opt-in for coverage on daily debit card transactions.

To opt in to Overdraft Protection, contact our Member Support or stop by a branch.

To opt in to Courtesy Pay, visit your Dashboard in the HRCU Mobile App or online and click "Courtesy Pay" to enroll.

*A fee will apply at time of service; contact Member Support for additional information. Also note that overdrafts are paid at HRCU's discretion and are not guaranteed.

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Account Opening Headline

Your Neighborhood Credit Union

Phone#:
603.332.6840
Routing#:
211489669
NMLS#:
740044
Shared Branching ATM / Co-Op Locator
ESI NCUA Equal Housing Lender SBA

Approved to offer SBA loan products under SBA's Preferred Lender programs.

NH Credit Union - Forbes 2023 BOB Award 2024 BOB Award AARP Bank Safe

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