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Checking Accounts

From free to reward to interest-earning accounts, we have the perfect checking accounts and digital wallet options for you.

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Check account rates here

All checking accounts include the following:

Free Debit Card

Free online access with bill pay

Online/Mobile Access

Mobile Apps
(iPhone | Android | Amazon Kindle)

Online Statements
(seven years history)

TransferMoney Online

24/7 Call Center Access

Deposit checks online with EasyDeposit

Thousands of CU Service Centers nationwide

Online Check Images

(Person to Person Payments)

Optional Overdraft Protection

Federally Insured

Free Credit Score Review

Free checks

Free Kasasa Cash Back® Checking

  • 2.00% cash back on debit card purchases 2
  • Earn up to $84 cash back per year ($7 per month) 2
  • Refunds on ATM withdrawals, nationwide (up to $20 monthly)3
  • Can link to free Kasasa Saver® account for effortless savings

Open an Account  Learn more

Free Kasasa Cash® Checking

  • APY1 on balances up to $15,000
  • APY1 if qualifications aren't met
  • Refunds on ATM withdrawals, nationwide (up to $20 monthly)3
  • Can link to free Kasasa Saver account that earns high interest

Open an Account  Learn more

Premier Checking Account

  • Earn our highest dividend rate on your entire checking balance.
  • Unlimited free checks
  • Unlimited non-Hanscom FCU ATM transactions with no network fee from us.

Free Checking Account

  • No monthly service fee. Free checks, bill pay, mobile deposits.
  • No direct deposit or minimum balance requirements.
  • Enjoy an early payday with Payday Perqs. Get paid up to two days earlier with direct deposit.
  • 10 non-Hanscom FCU ATM transaction per month with no network fee from us.

More Information & Extras

Debit Cards

Looking for business checking?
We have smart options for you.

Real Reviews from Real Hanscom FCU Members

Free Checking

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Premier Checking

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Outstanding customer service!


I am very impressed with Hanscom Federal Credit Union's customer service, it has been outstanding!

Lexington, MA


Maria and her staff Tom and Julie is just simply AMAZING!!!


Maria and her staff Tom and Julie are just simply Amazing! Great Customer Service and always greet us with a smile!!

JFK Federal Building Boston


Best Free Checking Account


I'm glad I signed up for this! Lots of great features! Simple and straightforward!

South Boston, MA


Great people ,great value.


Great service ,great people.

Cambridge Massachusetts


Great customer service


I called regarding a problem trying to open a checking account, I was already a member with a savings account. All my information was taken & next day I received a call but wasn't available to take the call. That representative sent me an email with the necessary link to create the account. That night I was able to open the account in less than 30 minutes. The same night I received an email welcoming me. Great service!

Raynham MA


Great Customer Service


Wish there was a branch in Tewksbury.

Tewksbury Mass


Love Hanscom


I love Hanscom Credit union. The staff is very friendly. I've never had an issue with them.



Great service


Friendly customer service easy to open account impressed with checks having duplicate copy attached.

Bedford Ma


great value


A great bank for service members.....I only wish they had some on the south shore :(

Plymouth, Mass


Great value and super helpful staff!


Super easy to open an account, incredibly friendly and helpful staff. Great value and options.

Devens, MA


Free Checking Reviews

4.7 193


Excellent Customer Service


Sergio went above and beyond in providing excellent customer service in opening additional accounts.

McLean, VA


HFCU A Great Place for Banking


I have been a HFCU client for many years and have found them to be honest, caring and skilled in theirassistance to clients. HFCU's is innovative in the variety of accounts offered and rank among the best in the interest rates they offer.

Maynard, MA


Awesome customer service


Everyone from phone line to Cynthia G in Billerica are outstanding

Methuen, Ma


Working for me..,


HFCU works for members, by providing exceptional products and support. I appreciate all of the programs they actively seek out and share with the goal of providing members the tools for financial empowerment

Boston, MA


Best rates around. Easy access branches.


I've been to the Burlington branch and the Bedford branch. Two entirely different experiences. Both very different very positive and very efficient experiences. I wonder why I didn't open an account there earlier. I had my ATM card the same day I opened the account.

Waltham, Ma


Excellent customer friendly


Ms Helene was outstanding in helping me! Fantastic customer service.



Great CD rates


Special 4 yr CD rate one of the best in the country. People easy to work with when setting it up.

Los Angeles


Exception Service and Guidance


Allison and Stephanie from Hanscom, MA. were an absolute please to work with. More importantly they both guided me and gave me sound direction. I will always seek their guidance before moving forward with any banking decisions in the future. Hanscom should be proud to have these two ladies represent them.

Williamsville NY


More than just a banking institution


I am so thrilled to be an HFCU member. In a recent difficult time when I had experienced fraudulent activity in my member account(s), HFCU was extremely responsive,and supportive from the very moment of my report. They immediately put a lock on my account to ensure that no additional activity could be transacted, opened up a new member account, provided me with recommended computer tech Support people whom I could provide me with cyber security analyis and cleanup of my computer, and within a very short few days,I was back in business. Throughout the whole ordeal, they kept me constantly informed of the status and progress of every phase that was completed until which time I was up and running with my new account which was less than a week from the time my computer deemed "cleaned" and "safe". I honestly felt like there was an army of people who was there for me and just me at a most frightening time. I realize there is more than great services and rates, to banking which was always part of the HFCU membership but there is also tremendous knowledge, support and responsiveness at critical times such as that I had experienced with my cyber security issue. Oh and by the way, I am now retired and living in Maine. When you mention "convenience", nothing was more convenient than not having to travel to Massachusetts to deal with this issue. I always felt as though HFCU was right up here in Maine working with me. It was the most comforting, satisfying and gratifying experienced I had ever been through with any institution. Thank you HFCU. I would not hesitate to recommend Hanscom Federal Credit Union to anyone that is looking for a great banking institution to sign up with or to switch over to.

Alfred, ME


Great rate


Good Employees. Nice to deposit in a credit union servicing the military!



Premier Checking Reviews

4.9 16