Primary Checking

Get back on track with Primary Checking

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.

Effective April 1, 2016

Account Features/ServicesPrimary Checking

Prospective Dividend and Annual Percentage Yield (APY) Rates

Minimum Balance* None
No-Fee Visa® Debit Card Included
Monthly Fee $10
FREE Online Bill Pay N/A
Direct Deposit Yes
No Per-check Fees Yes
Unlimited Check Writing Yes
FREE Online Banking Yes
Mobile Banking Yes
Text Banking Yes
Overdraft Privilege None
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 (Bank surcharges may apply.) Unlimited
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. 

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