Free Checking

When we say Free Checking, we mean it

Hughes Federal Credit Union's Free Checking has absolutely no monthly fees, a free debit card, and free online bill pay.

To set up direct deposit, you'll need your member number and our routing number 322174944 and a Direct Deposit Authorization Form.

Now offering Apple Pay®HFCU-ApplePay-Use-Step1-AP

A safe, convenient, and easy way to pay with your Hughes debit or credit card! Hundreds of thousands of retailers accept Apple Pay and the list is growing daily! Learn more >  

Check Ordering

UAChecksOur online check ordering service lets you choose from hundreds of check styles. Show your college spirit with our the University of Arizona® collegiate-style checks!

CO-OP Shared Branch Network

Logo_Co-Op_SharedBranchingThrough CO-OP Shared Branch Network, participating credit unions from across the country share their facilities. Members can make transactions at thousands of other credit union locations. Whether you're at work, home or your favorite travel destination, Hughes Federal Credit Union is always nearby. Find a Shared Branch near you.

CO-OP ATM Network

Logo_Co-Op ATMCO-OP is the largest credit-union-only ATM network in the country. The CO-OP ATM Network logo, located on the back of your credit union Visa® Debit card or ATM card, gives you surcharge-free access to thousands of CO-OP Network ATMs.

ATM Locations ›

Overdraft Privilege Opt-in

Eligible members with a Free or Premier checking may Opt-in to Overdraft Privilege services to cover ATM and everyday debit card transactions. For more information or assistance, please contact Hughes Federal Credit Union at 520-794-8341 or 800-253-8245 outside Tucson, or use our secure email form.

Click here for FAQs regarding overdraft services.

Visa® Merchant Offers

Logo_VisaUse your Visa® Debit card from Hughes and enjoy valuable discounts to help you stay on budget. Visit our Visa® Merchant Offers page to save on online purchases at merchants such as Macy's, Target, The Home Depot, Best Buy and more!

Effective april 1, 2016

Account Features/Services

Free Checking


Prospective Dividend and Annual Percentage Yield (APY) Rates

0.10% / 0.10%
Minimum Balance* None
No-Fee Visa® Debit Card Included
Monthly Fee None
FREE Online Bill Pay Included
Direct Deposit Yes
No Per-check Fees Yes
Unlimited Check Writing Yes
FREE Online Banking Yes
Mobile Banking Yes
Text Banking Yes
Overdraft Privilege $600 limit
Overdrawn Protection Yes
Unlimited Use of Hughes ATMs Yes
FREE Non-Proprietary ATM Withdrawals (Bank surcharges may apply.) Unlimited
FREE Checks First order of 25 checks is free
Visa® Merchant Offers Yes
FREE Financial Planning Yes
FREE Credit Score Enhancement Yes
FREE Official Checks / Free Traveler's Checks No

Checking Account dividends compounded daily and credited monthly except where notated.

*This is the minimum balance required to open an account and the minimum balance to earn the posted Annual Percentage Yield (APY). 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 thus cannot be declared in advance. Rates and terms are subject to change at any time. Please contact the credit union for further information.

Apple, Apple Pay and the Apple logo are registered trademarks of Apple Inc.

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