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Checking Accounts

Helena Community Credit Union has the perfect checking account for you. We think you’ll find one that fits what you’re looking for. All HCCU checking accounts have access to 24/7 Online Banking, Free Bill Pay, eStatements and over 30,000 free CO-OP Network ATMs nationwide.

Members will notice checking account name and ID changes post conversion. S3-Smart Choice Checking, S9-Free Checking, and S2/S7-Share Draft Checking have been combined into a new checking account called Community Checking. Features and benefits remain the same, and in some cases are even better! Click compare below.

Click here to see a complete list of account names and IDs.

Community Checking
Premium Plus Checking Compare

Community Checking

EARN DIVIDENDS when you meet ALL three requirements:

  1. Subscribe to e-statement AND
  2. Have a qualifying direct deposit ($100 or more) AND
  3. Have seven (7) debit card purchases in a month PLUS there is a Bonus Dividend for fifteen (15) or more debit card purchases a month

NO FEES when you do at least one of the following:

  • Subscribe to e-statements OR
  • Maintain minimum daily balance of $250 or greater in checking account OR
  • Combined Loan/Deposit balances $2,500 or greater OR
  • Age >62 or <18


Members may access their account funds and information via Online Banking, Telephone Banking, ATM or at merchant locations via VISA Debit Card. Overdraft Privilege is available for checks after 60 days to qualifying members. Overdraft Privilege for electronic services (ATM/Debit/ACH) is also available, however, the member must opt-in first.

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