Our Primary Checking account is geared toward those who need a fresh start. If you've had problems managing a checking account, we encourage you to look into opening a Primary Checking account at Hughes.
With this account, you can write checks, use your ATM card to get cash, use our 24-Hour Voice Response System, or use our free online banking. There is a small monthly fee, but after 12 months of satisfactory account activity, accounts can be upgraded to our Free or Premier Checking account. You may also apply for a line of credit after six (6) months in good standing.
To set up direct deposit to your checking account, you'll need your member number and our routing number: 3221-7494-4 and a Direct Payment Authorization Form.
|Account Features/Services||Primary Checking|
Prospective Dividend and Annual Percentage Yield (APY) Rates
|No-Fee Visa® Debit Card||Included|
|FREE Online Bill Pay||N/A|
|No Per-check Fees||Yes|
|Unlimited Check Writing||Yes|
|FREE Online Banking||Yes|
|Overdrawn Protection||Line of credit available after 6 months of the account in good standing|
|Unlimited Use of Hughes ATMs||Yes|
|FREE Non-Proprietary ATM Withdrawals**||8 Free**|
|FREE Checks||First 25 Free|
|Visa® Merchant Offers||No|
|FREE Financial Planning||Yes|
|FREE Credit Score Enhancement||Yes|
|-FREE Official Checks
-FREE Traveler's Checks
*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.
**Primary Checking receives eight (8) free withdrawals from non-proprietary ATMs. Primary Checking account qualifies for an ATM card only. Bank surcharges may apply.