Checking PLUS

Personal checking that works for you.

Compare each option and determine which checking account fits your financial needs.

The comparison boxes below can be interacted with the tab, enter, and right bracket keys. Tabbing will go through the list of links and checkbox buttons. Pressing the enter key on a checkbox, will select that checkbox. Pressing again will deselect the checkbox. Once at least two boxes are selected, press the right bracket key to go to the Compare Now button.

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Reward yourself with Checking PLUS

Checking PLUS is an exclusive benefit that helps you get more value from your everyday spending. This rewards-focused checking account lets you earn cash back on retail and travel purchases, save on groceries and dining, access travel discounts, and offers consumer protection services for added peace of mind.

How does Checking PLUS help save money?

Checking PLUS rewards the way you already shop, dine and travel.

With Checking PLUS, powered by Benefits Plus, you can:

Earn cashback on everyday retail purchases
Save at thousands of online retailers
Use a savings calculator to estimate how much you could save each year

What discounts are included with Checking PLUS?

Checking PLUS offers both local deals and national savings.

Discounts include:

Local savings at restaurants, professional services, auto repair, A/C and heating, plumbing and more
Discounts at national retail and dining chains
Access to thousands of online offers across popular brands

Does Checking PLUS offer travel rewards?

Yes, Checking PLUS helps you save on travel and entertainment, whether you're planning a trip or a night out.

Travel and experience benefits include:

3-5% cashback on hotels, airfare, car rentals and cruises
Guaranteed low-price travel booking
Discounts on movies, theme parks, concerts, sports and theater events anywhere in the U.S.

Are there gift card and dining discounts?

Absolutely! Checking PLUS makes instant savings easy.

Additional savings include:

5-15% savings on physical and instant ecards from major retailers
10% savings on instant ecards for national dining chains

What consumer protection services are offered?

Checking PLUS doesn't just help you save; it helps protect you.

Built-in protection includes:

Identity theft restoration
Cell phone repair coverage
Emergency roadside assistance
Extended repair warranty coverage
Pet insurance access

Does Hughes have nationwide ATM and branch access?

Yes. Checking PLUS makes it easy to bank wherever life takes you.

With Checking PLUS, you get:

Access to 5,000 CO-OP shared branches nationwide
Access to 30,000+ surcharge-free ATMs
Convenient banking, whether you're at home or on the road

To learn more about available discounts and offers, visit the Benefits Plus website.

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Rates

0.50% APY*

Checking PLUS

Features & Benefits

Cell Phone Repair Coverage¹
Identity Theft Restoration Service²
Cash Back on Air Travel, Hotels & Online Shopping
First 20 Counter Checks Free³
Discounts on Dining, Entertainment & Local Services
24-hr Emergency Road Service Savings
Grocery Coupons
Free Visa Debit Card
Free Unlimited Bill Pay
Online, Mobile & Text Banking
No minimum balance
Overdraft Protection
Courtesy Pay (up to $750)
5,000 CO-OP Shared Branches
30,000 Surcharge-Free ATMs

Earn more with Checking PLUS.

Travel Discounts

Save and get cash back on hotels and flights.

ID Theft Restoration

Equipped with Restoration Rescue® in case of identity theft.

Consumer Protection

90-Day Purchase Protection, Extended Repair Warranty and more.

FAQ

Checking PLUS Frequently Asked Questions

How can I change the PIN on my debit card?

You can change your PIN by visiting a branch.

If I am already a member, can I open this account online?

Yes! Log in to Hughes and go to Accounts > Open Account.

How do I order checks?

The fastest way is to log into online banking then click the "Order Checks" link next to your checking account under the Account Summary tab. You may also call our Contact Center at (520) 794-8341 or visit a branch.

What options do I have for overdraft protection?

You can set up Overdraft Protection from your Main Share Savings or Daily Savings which will automatically transfer funds to your checking if it is overdrawn. You can also apply for an overdraft Line of Credit.

Can I cancel Checking PLUS at any time?

Yes, but before you cancel, be sure to check out all the benefits Checking PLUS has to offer. Members that use the benefits actually save money over and above the monthly fee. If you want to proceed with cancellation, call our Contact Center at 520-794-8341 or visit a branch.

When is the monthly fee withdrawn from my account?

It is withdrawn on the 5^th of the month.

Can I access my Checking PLUS account at an ATM?

Yes! With a Hughes Debit card, the funds in your Checking PLUS account can be accessed at any ATM. Access our Find a Branch/ATM locator to find ATMs near you.

How do I set up Direct Deposit?

It’s easy! Just provide your employer with our routing number 322174944 and your member number.

If I've already applied, how can I check the status of my application?

Visit our application status portal to check the status of your application, upload documents, or send us questions or comments.

How do I add a joint owner to my account?

If you would like to add a new joint owner to your existing membership you have several options:

Use the online Add a Joint Owner Application (fastest and easiest).
Come into a branch together and a Member Services Representative can assist you. Be sure to bring one form of ID, being a government issued ID such as a U.S. driver's license.
Call 520-794-8341 and request that the form be mailed to you.

Can I see images of checks that have cleared online?

Yes, you can view cleared checks in your online banking account.

Log in to your online banking account.
Select the account from which you wrote the check.
Select the transaction.
Click "View Check".

Do you offer cashiers checks?

We do offer cashier's checks to our members. We offer 1 free a day, and after that there is a fee.

What are all the different numbers on the bottom of my check for?

The information at the bottom of your check is called the MICR line, which contains the Routing Number for the issuing financial institution, the issuer's account number, and the check number. This information is used to clear the check off the issuer's account.

If my checking account was closed due to inactivity, what do I need to do to have it reopened?

We're happy to hear you want to reopen your Checking Account! Click here and then select OPEN AN ACCOUNT if your membership has been closed, or ALREADY A MEMBER - ADD ACCOUNT if your membership is still open.

Contact An Expert

Effective Date: 04-01-2026

*APY = Annual Percentage Yield. Checking Account dividends compounded daily and credited monthly except where notated. The Dividend Rates and Annual Percentage Yield (APY) are variable rates. Dividends are based on the Credit Union's earnings at the end of a dividend period and cannot be declared in advance. Rates and terms are subject to change at any time. Please contact the Credit Union for further information.

A $4.95 monthly fee applies after enrollment. You may cancel any time by contacting the credit union by phone at 520-794-8341, through secure email form, or in person at any Hughes branch location. Third-party fees may apply. Fees may reduce earnings.

¹The Cellular Care Coverage Plan automatically begins 30 days from your date of enrollment. To be eligible for Cellular Care Coverage, your monthly cellular phone bill must be paid using your Hughes Checking PLUS account. The plan will cover damage repair costs up to $600.00 per membership account per lifetime on phone two (2) years old or less.

²Your Restoration Rescue^® coverage is automatic. Coverage begins 10 business days from the date of your enrollment for all eligible account owners.

³Checks can be requested at any branch location within the first 90 days of account opening.

Hughes Federal Credit Union has selected Generations Gold, Inc., a fully independent third-party benefits provider, to provide travel and other discounted services on an exclusive basis directly to Benefits Plus® members. The credit union assumes no liability for any of the providers in fulfilling their services. All liabilities, claims, damages, and demands are the sole and direct responsibility of Generations Gold, Inc. and its independent service or benefits providers. Discounts received through the Program may not be used in conjunction with any other discounts. Benefits and services available through the Program are subject to change without notice. Not all plans and discounts are available in all areas. The descriptions herein are summaries only and intended for informational purposes only and do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Most products through TicketXpress are available for eRedemption. Some exclusions apply. You can view the complete terms, conditions, exclusions and complete program details by visiting benefits-plus.org or by calling 1.866.329.7587. Generations Gold, Inc. is not insured by any Federal Government Agency. All rights reserved, Generations Gold, Inc.

Checking Accounts