18/65 Checking Account

Designed for eligible members under age 18 or age 65 and older, HCU's 18/65 Checking Account offers simple, everyday banking with the fee protections available under Massachusetts' 18/65 Law. Whether you're opening your first checking account or looking for a straightforward way to manage your finances, this account provides convenient access to your money with essential checking features.

account features:

• No monthly maintenance fees
• Free standard checks
• Reduced or waived fees on certain services
• Debit Card Access
• Online & Mobile Banking

Please Note:

• This account is not eligible for Member Rewards
• Overdraft Protection is not available for this account
• This account does not earn interest.

Looking for a SAVINGS ACCOUNT, TOO? 

Eligible members can also open an 18/65 Savings Account to save securely while enjoying the protections available under Massachusetts law.

Notice for members Under 18 or Over 65

In accordance with M.G.L. Chapter 171, Section 32B (the "18/65 Law"), eligible members under age 18 or age 65 and older may qualify for fee protections on their checking account.

Please let Holyoke Credit Union know when opening your account, or anytime you become eligible, so these benefits can be applied. Visit any HCU branch or contact a Member Service Representative for assistance.