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Share Draft / Checking
Kasasa Get Paid

What's better than FREE checking? Kasasa checking! With each FREE Kasasa checking account you'll get refunds on ATM withdrawal fees, nationwide* — plus the cash reward of your choice. We have three different Kasasa checking accounts — choose the one that's right for you.

Free Kasasa Cash®:Designed for those who prefer earning high dividends, and who keep a higher balance in their checking account.

  • Truly free checking that pays you really high dividends
  • Make every ATM your ATM with refunds on ATM withdrawal fees, nationwide*
  • Free online and mobile banking so you can bank anywhere
Free Kasasa Cash Back®: For frequent check card users who want cash back on their daily purchases.
  • Free checking that pays cash back on everyday check card purchases
  • Enjoy refunds on ATM withdrawal fees, nationwide*
  • No minimum balance to earn rewards and no monthly maintenance fee
Free Kasasa Tunes®: Designed for those who like to shop online — get refunds for what you buy from iTunes®, Amazon®, or Google Play™.
  • Free checking that refunds your purchases of music, movies, and more
  • Get to your money anywhere with refunds on ATM withdrawal fees, nationwide*
  • Make banking easy with free online banking and eStatements
Fresh Start: For those who have had trouble managing their accounts in the past.
There is no minimum balance required, and a dividend is paid on the average daily balance of this account equal to Share Draft Tier 2. There is a Monthly Service Charge associated with this account, and a hold on funds may be required with prior charge off activity.
Club and Organization Accounts: For Clubs and Organizations who are smart with their money!.

Free Checking and Savings accounts are available for any established organization. If a Tax ID Number is provided for your organization, a dividend is paid on the average daily balance of this account based on the Share Draft Tier, as long as minimum balance requirements are met. You also receive a FREE starter set of 20 checks when you open your account.

If you are an Augusta University Student Organization interested in an HCCU Organization Account, please click here to download an Augusta University Student Organization Account Starter Kit.

All Checking Accounts Include:
  • Free Visa Check Card
  • Free Online Banking & Bill Pay
  • E-Statements, and E-Notices.
  • Personal Access Voice Response Line (PAL).
  • No per check fee
  • Overdraft Protection - optional
  • Same Day ACH Debits*
All fees and minimum balance requirements can be found on our Fee Schedule.

To reorder checks through Deluxe please click here.

*Same Day ACH Debits became effective on September 15, 2017. This means that any payments you make by writing a paper check, payments made by telephone or any other ACH debit could clear your checking account on the same day you write the check or authorize the payment. Payment processing times are determined by the merchant. Please check with the individual merchant if you have questions regarding their payment process.

Checking Account Coach
Checking Coach

This interactive guide coaches you in managing your checking account. Simply click on the home icon to get started!


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Kasasa Protect Logo

Identity Protection + Restoration From Kasasa Protect™

According to the 2017 Identity Fraud Study by Javelin Strategy & Research. A record high 15.4 million Americans had their identities stolen last year. Protect yourself from hackers and criminals who may steal your personal information and commit fraud in your name with our recommended identity protection service. No credit card needed! We'll simply charge your HCCU checking account for Kasasa Protect each month. Protect is only $6.99 for Kasasa Members, and $9.99 for all other account types.

Kasasa Protect includes ALL of the following:
  • Dark Web Monitoring - Monitors criminal activity on the internet and alerts you if you are exposed. This proprietary technology proactively detects compromised or stolen personally identifiable information, such as social security numbers or medical identification numbers, by monitoring thousands of websites and millions of data points. It collects data in real-time on an international level, regardless of country or language.

  • Lost Wallet Protection - Helps easily cancel and replace important items found in your wallet. This includes credit cards, debit cards, driver's licenses, social security cards, insurance cards, passports, military identification cards, and even traveler's checks. A specialist assists you with canceling and replacing lost or stolen documents quickly.

  • Full-Service Identity Restoration - Get help recovering your identity in the event that it is stolen. A certified specialist will guide you step-by-step to repair your compromised identity, helping with activities such as filing fraud alerts, placing credit freezes at different bureaus, and more.

  • 24/7 Credit Monitoring - Alerts you to changes in your credit report. Receive alerts on changes such as loan data, inquiries, new accounts, judgments, liens and more. Opening up lines of credit is a very common and costly form of identity theft. Monitoring your credit is the fastest and simplest way to guard against fraudulent activity taking place under your identity.

  • Monthly Credit Score + Plotter - Track your credit over time with monthly credit scores and online plotter. Score Plotter allows you to see how your Experian credit score changes over time. It also tells you what factors contributed to those shifts so you understand what actions to take. View your score regularly without having to incur extra costs of pulling full credit reports.

  • Annual Credit Report - Get full access to your complete credit report each year. Your credit report helps you to proactively manage your financial health and monitor your identity.

Once you visit one of our Branches and sign up for Kasasa Protect, you can login at https://secure.kasasaprotect.com and set up your account. For questions regarding the initial setup, please contact HCCU at mbrsvc@hccu.coop. For questions related to your Kasasa Protect account, call Kasasa Protect at 888-483-3301.

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Enjoy service product discounts on the account items you use most! No credit card needed, we'll simply charge your HCCU checking account on the 3rd of each month.

The Executive Package includes the following:

Checks Icon

Free Box of Checks

1 per calendar year - $30 value
Debit Card Icon

Free Debit card replacement

2 per calendar year - $30 value
Stop Pay Icon

Free Stop Payments

2 per calendar year - $70 value
Wires Icon

Free Domestic Wires

Unlimited - Up to $25 value per transaction

All Executive Package benefits are good for one calendar year, January 1st through December 31st, regardless of when in the year you sign up. Package membership and benefits will automatically renew on January 1st of each year. Executive Package cancellations should be done in writing, at least 10 business days prior to your next billing cycle. Cancellations can be submitted via email to mbrsvc@hccu.coop or by mail to 1424 Walton Way, Augusta, GA 30907.

Package Items subject to change at the discretion of Health Center Credit Union.

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Overdraft Transfer

Mistakes happen. If you overdraw your account, we can help. For a small fee HCCU will automatically transfer funds from your savings (or other designated account) to cover the expense. Please see our fee schedule for Share Overdraft Transfer fee amounts.

bouncing check

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Overdraft Privilege

Overdraft Privilege helps protect you against having your items returned in the event of an inadvertent overdraft of your account by giving you a reserve for emergencies or unexpected situations. There is no fee for having this privilege on your account; you are only charged if you overdraw your account. You do not have Overdraft Privilege on your account until you receive written confirmation from us that it has been added to your account.

Here is how Overdraft Privilege works for you. Overdraft Privilege is not a line of credit. However, if you overdraw your account, we have the discretion to pay the overdraft, subject to the limit of your Overdraft Privilege.

For example, suppose you do not have Overdraft Privilege and your account balance is $50. If you have a debit item for $100, HCCU will charge your account a fee (currently $35) for having an item with insufficient funds, and will then return the item if adequate funds aren’t available. In most cases, the establishment where you made the transaction will require you to pay for the item and will normally charge you a fee (usually around $30-$40) for writing an NSF item. This means that you have now incurred two fees ($35 at HCCU and $30 at the merchant) for an item that wasn’t even paid!

However, if you had $500 of Overdraft Privilege, here is how the situation typically would have worked. When the item arrived at HCCU, we would pay the item and charge you the $35 fee for an overdraft transaction. The total charge to you would have been $35 compared to $35 PLUS $30 in merchant fees if you had not had Overdraft Privilege. Additionally, you avoid being added to any bad check lists on the check approval networks or with the merchant.

When you use your Overdraft Privilege you must remember to subtract the overdraft fee from your account balance. In the example above you would have subtracted $135 from your account: $100 (the amount of the check) plus $35 (the amount of the overdraft fee). Any additional items that come in while your account has a negative balance will also be charged the NSF fee of $35 per item. It is important to record these fees. The next deposit that you make will bring your balance to the amount of the deposit minus the amount you were overdrawn (including any overdraft fees).

ATM machine receipts, and other ways in which you can get available balance information, will show only your ledger balance without the Overdraft Privilege included. However, you will be able to withdraw funds from the ATM and have transactions approved for ATM and debit card transactions, even though it will overdraw your account if you have given us prior consent. You must opt in to payment of overdrafts on these items on your consumer account. You will be charged the overdraft fee of $35 associated with these transactions.

What if I want Health Center Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you want us to authorize and pay overdrafts for which an Overdraft fee will be assessed on ATM and everyday debit card transactions, you may do one of the following:

  • Call us at 706-434-1600, or
  • Download the PDF Download Opt-In Agreement and either
    • present it at a branch
    • mail it to: 1424 Walton Way Augusta, GA 30901
    • fax it to 706-434-1625
    • scan and email it to operations@hccu.coop

Understanding Uncollected Funds

  • If you deposit to your account and are informed that a HOLD will be placed on some of the funds deposited, those funds are NOT available for you to withdraw until the date indicated on your notice.

  • If an item is presented against held funds and you have Overdraft Privilege on your account, you will be charged a negative funds fee of $35 to pay the item even though you have a positive ledger balance in your account.

  • For example: You have $100 in your checking account and deposit a $700 check on which we place a $500 hold ($200 is available to you immediately) for 5 days. Although you have a ledger balance of $800, only $300 is “available” for checks or other debits to be paid.

  • If you have a $500 Overdraft Privilege in the example above, you have available to you $800 to pay debit items. However, you will be charged a $35 fee for any debits paid against your account in excess of the $300 shown above as “available”.

Points to Remember about Overdraft Privilege

  • Every debit item on an overdrawn account will be charged an Overdraft Privilege fee of $35.

  • You must promptly repay the amount of the overdraft and any overdraft fees.

  • Your Overdraft Privilege will not be included as part of your available balance at an ATM

  • You must bring your account to a positive balance within 35 days or the Overdraft Privilege will be removed from your account.

  • You do not have Overdraft Privilege until you receive a letter telling you that it has been put on your account. New accounts must be open at least 60 days in good standing before Overdraft Privilege will be applied to the account.

  • You must opt in to payment of overdrafts for ATM and everyday debit card transactions.

Overdraft Privilege Terms and Conditions

You must maintain your account in good standing, which includes at least:

  • Continuing to make regular deposits to your account within each thirty-five (35) day period,

  • Bringing your account balance to a positive balance within each thirty-five (35) day period;

  • You are not in default on any loan or other obligation to HCCU; and

  • You are not subject to any legal or administrative order or levy against your account with us.

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VISA® Check Card

Apply today for the HCCU Visa Check Card to make everyday purchasing easy! The card works as an ATM card, but offers the added convenience of being able to use it virtually anywhere. Purchases are deducted from your checking account and receipts are given by the vendor for easy record keeping.

Your monthly checking statement lists every transaction, or you can view your transactions 24 hours a day via Online or Mobile Banking. Please allow 2-3 days for the transaction to post to your account.

Your HCCU Check Card may be used with no service charges at any HCCU or in network ATM. If you use an out-of-network ATM, HCCU will impose a Foreign ATM Fee in the amount listed on our Fee Schedule. You will also be responsible for the fees posted on the ATM. Kasasa Account holders qualifying for a monthly cycle will have ATM fees refunded.

Other benefits include:
  • Maximum protection. If your card is lost or stolen, Visa's zero liability policy protects you from paying for unauthorized purchases.

  • Those with joint checking accounts can each have an HCCU Visa Check Card accessing that account.

  • The money is deducted from your checking account within 2-3 business days.

  • Perfect for traveling! Visa is accepted worldwide. Use your card to make purchases in other countries safely and easily.
visa Check Card

A Point of Sales (POS) fee of .50 cents will be charged if you select "debit" and enter your PIN at a merchant terminal. No fee will be charged if you select "credit" and sign for the purchase. The credit option provides our members with the charge back rights available through VISA. This fee does not apply to ATM withdrawals, E-Checking, or Kasasa Accounts.

HCCU Visa Check card options include:

AugUnGen1
AugUnGen1
AUHealth1
AUHealth1
AUSpirit1
AUSpirit1
AUSpirit2
AUSpirit2
AUMascot1
AUMascot1

HCCUGen01
HCCUGen01
000Gentry
000Gentry
0Radiance
0Radiance
CHOGBuild
CHOGBuild
CHOGRoary
CHOGRoary

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Share Savings

Becoming an HCCU member is easy! A savings account begins your credit union membership. There are no membership or monthly maintenance fees; simply maintain good standing with the credit union. Members are not responsible for maintaining a minimum balance in the required membership savings account. The required minimum balance that must be held in savings for membership (Par Value) is $1, and will be paid by Health Center Credit Union.

By opening your initial membership account, you are eligible to use all of our other products and services, as well as earn a return on your savings. Please click here to go directly to our membership page to find out how you can qualify to become a member.

Benefits Include:

  • Quarterly Dividends Based on the Regular Share Savings Tier
  • Quarterly Statements
  • 1 Free Withdrawal per Month
  • Free Online Banking and PAL Voice Response
  • Payroll Deduction and Direct Deposit
  • Membership-Sharing Privileges with Your Family
  • Other Benefits Include: Free Coin Machines, Car Buying Services, & Identity Theft Services

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Certificate of Deposit

A CD is a safe, secure account that pays a higher rate of dividends than a savings account. Now, with only a $500 minimum deposit, you will receive HCCU's competitive dividend yields based on the CD term (3 - 60 months) that's right for you!

Dividend earnings are paid quarterly and can be distributed several ways:

  • Deposited back into the CD account
  • Deposited into the primary or secondary account
  • Check issued on request
Please visit our Rates page for a list of our CD Rates*.

We also offer a Youth CD to our members ages 17 and under. This is a great way to start learning how to save at a young age.

Advantages of a Youth CD Include:
  • $100 Minimum Opening Deposit
  • Deposits will be accepted during the CD Term, which can also include Payroll Deduction Deposits
  • Term of 12 months
  • Automatic Renewal
  • Same penalties as a regular CD apply
* These rates are subject to change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawals. Fees could reduce the account earnings.

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Christmas Club

Add to your Christmas cheer by getting a jump start on saving for Christmas!

Our Christmas Club account helps you earn money while saving for Christmas, as this account pays you a dividend based on your Average Daily Balance equal to Regular Share Tier 2. You can make deposits at anytime to this account through payroll deduction, transfers or in-branch deposits.

Each November, the entire balance of this account is automatically deposited into your Membership Share account just in time for the holiday shopping season. Early withdrawals are subject to a fee.

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Christmas Club
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Vacation Club
Vacation Club

Saving for that dream vacation or a yearly family trip to the beach? You can put vacation dollars away as you see fit and withdraw the balance when vacation time comes around.

This account pays you a dividend based on your Average Daily Balance equal to Regular Share Tier 2. You can make deposits at anytime to this account through payroll deduction, transfers or in-branch deposits. You will receive one free withdrawal per year; any additional will be subject to a penalty.

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Money Market

Money Market Accounts are safe, secure and flexible accounts that earn a higher rate of return than a savings account. A $2,500 minimum opening deposit and minimum average daily balance of $2,500 is required to earn a dividend equal to the Money Market Share Tier 2. You will receive 1 free withdrawals per month, any additional withdrawals are subject to fees and penalties as listed on our fee schedule.

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Important Information About Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and any other information that will allow us to identify you. We will also retain a copy of your driver's license number or other identifying objects.


Members are not eligible for both Gold Member Discounts and Kasasa Rewards. Gold Member Discounts are not available on new memberships, and are solely for members continuing in legacy checking accounts. Once a Gold Member converts their Classic or eChecking Account to a Kasasa Rewards Account, or opens a new Kasasa Rewards Account under their current member number, they are no longer eligible for Gold Member Discounts and can not revert back to their previous account type. The Gold Member notation will be removed from their account and a Kasasa notation will be added.

 
 
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