Checking PLUS

More than just checking.

Checking PLUS has you covered.

Some checking accounts hold your money. Checking PLUS does more. Checking PLUS is exclusive to Hughes members and offers savings on many products and services, including discounts at both local and national favorite establishments, savings and cash back on travel and so much more.

Checking PLUS also equips you with consumer protections like purchase warranties and it even gives you your very own identity theft restoration team!

Cell Phone Repair Coverage

Receive up to $600 reimbursement for damaged phone repair on eligible devices.

Identity Theft Restoration Service

Restoration Rescue®

Extended Repair Warranty

Eligible consumer merchandise gets automatic coverage that extends the manufacturer’s original warranty up to one additional year.

TicketXpress Discounts

Save up to 50% on Movies, Theme Parks, Concerts, Sports and Theater Events.

Gift Card Discounts

Save 5%-15% on Gift cards and instant eGift cards to Amazon, Home Depot, CVS, Kohl's, Lowes, GameStop, Gap, Old Navy, iTunes, Macy's and many others.

Travel Cash Back

Get 3%-5% cash back on hotels, air travel, car rentals, and cruises. Guaranteed lowest price and specially negotiated rates available.

Cash Back Shopping Rewards

Shop and save at thousands of online retailers. You earn cash back on everyday purchases, including Best Buy, Staples, Target, Walmart, Old Navy, Petco and over 3,000 other merchants. 

Dining Discounts

Save 10% on instant eGift cards to restaurants such as Panera Bread, Outback, The Cheesecake Factory, P.F. Chang's, Chili's, IHOP and more.

Costco and Sam's Club Memberships

$5 cash back on new memberships and annual renewals.

And Much More!

Benefits PlusGet more details about the savings and offers at the Benefits Plus website.

Features & Benefits

  • Try FREE for 90 Days1
  • Cell Phone Repair Coverage2
  • Identity Theft Restoration Service3
  • Cash Back on Air Travel, Hotels & Online Shopping
  • 90-day Purchase Protection
  • Free Official Checks
  • Discounts on Dining, Entertainment & Local Services
  • Discounted Gift Cards
  • 24-hr Emergency Road Service Savings
  • Grocery Coupons
  • Vision/Dental/Prescription Discounts
  • Extended Repair Warranty
  • Annual Check Order Discount
  • Free Visa Debit Card
  • Free Unlimited Bill Pay
  • Online, Mobile & Text Banking
  • No minimum balance
  • Overdraft Protection
  • Overdraft Privilege (up to $750)


  • 0.05% APY*
    Checking PLUS
Effective Date: 04-17-2020

*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.

1A $5.95 monthly fee applies after the free 90-day no obligation trial period. Limit one free trial period per membership. 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.

2The 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. 

3Restoration Rescue® identity theft restoration coverage begins 10 business days after activation.

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 or by calling 1.866.329.7587. Generations Gold, Inc. is not insured by any Federal Government Agency. All rights reserved, Generations Gold, Inc.

Why Checking PLUS ?

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.


Checking PLUS Frequently Asked Questions

You can change your PIN by visiting a branch.

Yes! Log into Online Banking and go to Accounts > More > Open Account.

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.

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.

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. 

It is withdrawn on the 5th of the month.

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. 

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

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