Checking Accounts

premium checking account logo

At HTFFFCU we offer two types of checking accounts: Premium Checking with an array of extra financial and non-financial services as well as Standard Checking for those who value simple solutions.

See below to choose the account that best fits your needs.

Account FeatureStandardPremium3
Competitive Dividend Ratescheck
Credit File Monitoringcheck
Identity Monitoringcheck
Credit Report and Scorecheck
Identity Theft Expense Reimbursement Coveragecheck
Identity Theft Resolution Servicecheck
Debit and Credit Card Registrationcheck
Debit Advantage® - Buyer’s Protection and Extended Warrantycheck
Cellular Telephone Protectioncheck
Travel and Leisure Discountscheck
Health Discount Savingscheck
$hopping RewardsTMcheck
No minimum balancecheckcheck
Online Bankingcheckcheck
Mobile Bankingcheckcheck
Visa Debit Cardcheckcheck
Surcharge Free ATM Networkcheckcheck
eStatementscheckcheck
Overdraft Servicescheckcheck
No “per check” feescheckcheck
Automatic transfers, direct deposits, deposits by mail, night depositscheckcheck
Online Check Imagescheckcheck
Account Alerts (via Online Banking)checkcheck
Bill Pay (via Online Banking)checkcheck
No balance penaltiescheckcheck
Mobile Depositcheckcheck
Download the Premium Checking Account app to take advantage of all the benefits!

Credit File Monitoring1 - daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports (Registration/activation required).

Identity Monitoring - monitoring of over 1,000 databases to identify suspicious activity. (Registration/activation required).

Credit Report and Score – access to triple bureau credit reports and single bureau credit scores. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. (Registration/activation required).

Identity Theft Expense Reimbursement Coverage2 - Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.

Identity Theft Resolutions Service - Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your identity is restored.

Debit and Credit Card Registration - Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (Registration/activation required.)

Debit Advantage® - Buyer’s Protection2 and Extended Warranty2 - Buyer’s Protection covers items for 90 days from the date of purchase against accidental breakage, fire, or theft. Extended Warranty extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years. (Item(s) must be purchased entirely with eligible account).

Cellular Telephone Protection2 - Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per year. Covers the first four phones on a cellular telephone bill paid through your checking account. (Cell phone bill must be paid through this account).

Travel and Leisure Discounts - Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their smartphone. Digital Access makes saving super easy and convenient, giving instant savings anywhere, and anytime. (Registration/enrollment required. Available online only.)

Health Discount Savings - Enjoy savings on vision, prescriptions and dental services. (Registration/activation required.)This is NOT insurance.

$hopping RewardsTM - Receiving $hopping Rewards is simple! As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back will be held in your $hopping Rewards account to use towards future purchases or conveniently sent to you as a check. Yes, it’s that easy! (Registration/activation required. Available online only.)

Checking Rates updated as of April 4, 2024

Premium CheckingDividend RateAnnual Percentage YieldMinimum Balance
Tier 10.25%0.25%$0 - $1,000
Tier 20.05%0.05% - 0.25%>$1,000.01

1Credit file monitoring may take several days to begin following activation..
2Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit.
3Premium Checking has a monthly fee of $4.95.

Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.

APY is Annual Percentage Yield. Withdrawals, penalties and fees could reduce earnings. Dividend rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. Dividends are paid at the end of the period from current income and available earnings after required transfers to reserves. These rates are not guaranteed for the current dividend period. All accounts must remain open through the end of the dividend period to be paid the accrued dividends.

At Houston Texas Fire Fighters FCU, individual accounts are insured up to $500,000. This exceptional level of coverage is attained through a combination of federal insurance provided by the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund (NCUSIF) and from Excess Share Insurance Corporation (ESI) brought to you by American Share Insurance, a private insurance company, not affiliated with NCUA.

Click here to learn more about deposit insurance.