Checking Accounts

Compare Accounts | Checking Rates

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

See below which of the accounts meets your needs better.

Account Feature Standard Premium
No minimum balance
Online Banking
Mobile Banking
Visa Debit Card
Surcharge Free ATM Network
Overdraft Services
No “per check” fees
Automatic transfers, direct deposits, deposits by mail, night deposits
Online Check Images
Account Alerts (via Online Banking)
Bill Pay (via Online Banking)
No balance penalties
Mobile Deposit
Competitive Dividend Rates*
Credit File Monitoring
Identity Monitoring
Credit Report and Score
Identity Theft Expense Reimbursement Coverage
Identity Theft Resolution Service
Debit and Credit Card Registration
Debit Advantage® - Buyer’s Protection and Extended Warranty
Cellular Telephone Protection
Travel and Leisure Discounts
Health Discount Savings
$hopping RewardsTM

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 November 7, 2019

Premium Checking Dividend Rate Annual Percentage Yield Minimum Balance
Tier 1 0.25% 0.25% $0 - $1,000
Tier 2 0.05% 0.05% >$1,000.00

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.
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. For Money Management accounts, the specified Dividend Rate for a tier will apply to the entire account balance if the balance is within the balance range for that tier.

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.