Personal

Simply FREE Checking

SimplyFREE Checking Account

Whether you're paying bills, managing your paycheck, or banking on the go, SimplyFREE Checking gives you the flexibility and convenience to handle everyday life with confidence.

No complicated requirements. No monthly maintenance fees. Just straightforward banking designed to work for real life.

simplyfree checking includes:

How to earn your $300*

  1. Set up direct deposit
  2. Use your debit card
  3. Enroll in online banking & eStatements

With just $10 to open a SimplyFREE Checking account, you can open your account online in minutes or visit any HCU branch to get started.

Looking for extra peace of mind? Learn about Overdraft Protection.

*The following qualifications must be met:
  1. You will receive your $300 bonus once Holyoke Credit Union receives your direct deposit. Direct deposit must be received within 60 days of account opening.
  2. Holyoke Credit Union must receive your full direct deposit during each monthly qualification cycle (statement period) for a full year.
  3. Checking account must have at least six (6) debit card purchases within the first 60 days from opening (transactions must clear and post within the first 60 days to qualify) – OR – you must spend $1,000 on your Holyoke Credit Union VISA® Platinum Credit Card within three (3) months of the credit card being issued.
  4. Member must enroll in online banking and receive eStatements.
  5. One $300 bonus per member/household.
  6. Existing HCU checking account holders are excluded from offer.
Your checking account will be charged $300 if you close your account the first 12 months after the account is opened.
**Unlimited free use of Holyoke Credit Union ATMs and ATMs belonging to the surcharge-free SUM™ and MoneyPass™ networks. Other institutions may impose surcharges for use of ATMs.

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