We have three great checking accounts to choose from — Free Checking, Premier Checking, and Primary Checking. With our Switch Kit, it's easy to switch to a Hughes checking account! Our checking with Rewards can save you money! Find out more today!

To set up direct deposit into your checking account, you'll need your member number and our routing number: 3221-7494-4.

Account Benefits	Free Checking	Premier Checking	Primary Checking
Recommended if you:	Want a free, basic account	Want a value-added checking package	Want a first or second chance and have completed the financial education program
No Minimum Balance
No Per Check Fees
Unlimited Checkwriting
Earn Dividends			N/A
FREE Visa® Check Card (for qualified members)			ATM Card Only
FREE eBranch Online Banking and FREE Online Check Images
FREE Online Bill Pay Service			N/A
Overdraft Privilege (for eligible members)	$600 limit	$750 limit	Line of Credit available after six months of the account in good standing
Overdrawn Protection (from savings or line of credit)			Available when it converts to a Free Checking Account after 12 months of satisfactory use
Unlimited Use of Hughes FCU ATMs
FREE Non-Proprietary ATM Withdrawals (bank surcharges may apply)*	8 Free*		8 Free*
FREE Checks	First 50 checks	Up to $12 value per year	N/A
Direct Deposit
No Monthly Service Charges		$6.50	$10
Rewards Package	Optional $5 per month		N/A
Other FREE Benefits		Official Checks Traveler's Checks Financial Planning
*No charge for the first 8 non-proprietary ATM withdrawals per month. $1 fee for each additional withdrawal. Some financial institutions may have a surcharge to use their machines.

CardLock™—the newest way to lock in security and peace of mind!

Our innovative CardLock™ service puts the power to prevent credit and debit card fraud in your hands. With one quick phone call to the automated system—or a visit to the secure website—you can lock or unlock purchase authorizations on your credit or debit card. You can use the service when traveling or if you've made an online purchase and feel nervous about Internet security. No matter how you choose to use CardLock™, if anyone tries to make an unauthorized purchase while you're card is locked, you'll be notified by phone of the transaction attempt. To register your Hughes Visa® Check Card or Hughes Visa® Credit Card, call toll-free (877) CULOCK1 (285-6251).

Overdraft Opt-in

Reorder Checks

Our hassle-free Switch Kit gives you three easy steps for switching your checking account to a Hughes money-saving checking account. Forms are included in our Switch Kit; however, some companies prefer that you use their  form for switching your direct deposit.

Free Checking — get more information or APPLY NOW

Premier Checking — get more information or APPLY NOW

Primary Checking — get more information or APPLY NOW

*Please note that Free Checking and Primary Checking receive 8 (eight) free withdrawals from foreign or nonproprietary ATM machines. Premier Checking receives unlimited use of foreign or nonproprietary ATM machines. (However, bank surcharges may apply.) Primary Checking account qualifies for an ATM card only.