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CHECKING ACCOUNTS

At HUD FCU, we offer two different types of checking accounts to best meet your needs. Explore the below options to learn more about the features and benefits of each.

Financial Freedom starts with budgeting and take control of finances. Learn more about how to start, maintain and choose a budget here.

Share Draft (Regular) Checking

Your HUD FCU checking account requires no minimum balance and there is no monthly service charge! You pay only for special requests. Enjoy ATM and Point-of Sale access, plus overdraft protection.

Learn more about features and benefits

  Visa Debit Card

The HUD FCU Visa Debit Card offers a number of benefits:

  • Access money directly from your checking account
  • View complete transaction history via mobile or online banking
  • Convenient and quick purchases
  • Accepted at millions of locations worldwide
  • Easier than cash or checks
  • Shop online, at stores or over the phone
  • Access money for free at thousands of ATMs nationwide
  • Secure EMV Chip
  • Protects you from unauthorized purchases with HUD FCU's Zero Liability policy
  • Safer than carrying cash
  • We notify you of unusual activity and protect you from debit card fraud
  • Our staff is available if you have any concerns about your account

Don’t have an HUD FCU Visa Debit Card? Apply for a checking account with a debit card. If you have a checking account but don’t have a debit card, please call us at 202-683-2800 ext 3 to order one

  No Monthly Fees

We don't like monthly fees either. That's why you'll never pay one at HUD FCU

  No Minimum Balance Requirement

Whether you plan to deposit $1 or $1 million, the HUD FCU Share Draft (Regular) Account is available to you.

  No Per Check Charges

Write as many checks as you would like. We'll never charge you a fee for processing your checks.

  Online & Mobile Banking

Free, secure digital banking access is available to you 24/7/365 via Online Banking and Mobile Banking.

  Free Bill Pay & e-statements

Our digital banking has a number of features to make your life easier. Conveniently pay any business or person from online banking with our free Bill Pay service. Access your statements securely online with e-statements.

  Free point-of-sale (POS) transactions

Use your HUD FCU Visa Debit Card anywhere Visa is accepted.

  Overdraft protection

Checking accounts come with our standard overdraft privilege. Your overdraft will be made automatically available to you after you’ve held your Checking account in good standing for at least 90 days. With overdraft protection, we will authorize and pay the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

You can also request that we authorize and pay overdrafts for the following types of transactions:

  • ATM transactions
  • Everyday debit card transactions

We will charge you an insufficient fund fee of $35.00 each time we pay an overdraft, and there is no limit on the total fees we can charge you for overdrawing your account.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined and you are responsible for the payment.

30,000+ Surcharge-Free ATMs

Access money surcharge free at locations you already visit like 7-Elevens and Rite Aids. Use our locator service to find the nearest surcharge free ATMs to you.

5,000+ Shared Branches

Make cash deposits or access teller services nationwide. Use our locator service to find the nearest shared branch.


To open a checking account, you must be a member of HUD FCU. Establishing your membership is easy – just open a primary share savings account. See if you’re eligible for membership. For additional information or assistance, please call us at 202-863-2800 ext 3.

Prime Time Checking

The Prime Time Club offers special advantages for members over 50 years of age.

Learn more about features and benefits

  Visa Debit Card

The HUD FCU Visa Debit Card offers a number of benefits:

  • Access money directly from your checking account
  • View complete transaction history via mobile or online banking
  • Convenient and quick purchases
  • Accepted at millions of locations worldwide
  • Easier than cash or checks
  • Shop online, at stores or over the phone
  • Access money for free at thousands of ATMs nationwide
  • Secure EMV Chip
  • Protects you from unauthorized purchases with HUD FCU's Zero Liability policy
  • Safer than carrying cash
  • We notify you of unusual activity and protect you from debit card fraud
  • Our staff is available if you have any concerns about your account
Don’t have an HUD FCU Visa Debit Card? Apply for a checking account with a debit card. If you have a checking account but don’t have a debit card, please call us at 202-683-2800 ext 3 to order one

  Earn Dividends on Your Balance

You'll receive competitive dividends. Click here for current rates.

  No Monthly Fees

We don't like monthly fees either. That's why you'll never pay one at HUD FCU

  No Minimum Balance Requirement

Whether you plan to deposit $1 or $1 million, the HUD FCU Share Draft (Regular) Account is available to you.

  No Per Check Charges

Write as many checks as you would like. We'll never charge you a fee for processing your checks.

  Online & Mobile Banking

Free, secure digital banking access is available to you 24/7/365 via Online Banking and Mobile Banking.

  Free Bill Pay & e-statements

Our digital banking has a number of features to make your life easier. Conveniently pay any business or person from online banking with our free Bill Pay service. Access your statements securely online with e-statements.

  Free point-of-sale (POS) transactions

Use your HUD FCU Visa Debit Card anywhere Visa is accepted.

  Overdraft protection

Checking accounts come with our standard overdraft privilege. Your overdraft will be made automatically available to you after you’ve held your Checking account in good standing for at least 90 days. With overdraft protection, we will authorize and pay the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

You can also request that we authorize and pay overdrafts for the following types of transactions:

  • ATM transactions
  • Everyday debit card transactions

We will charge you an insufficient fund fee of $35.00 each time we pay an overdraft, and there is no limit on the total fees we can charge you for overdrawing your account.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined and you are responsible for the payment.

30,000+ Surcharge-Free ATMs

Access money surcharge free at locations you already visit like 7-Elevens and Rite Aids. Use our locator service to find the nearest surcharge free ATMs to you.

5,000+ Shared Branches

Make cash deposits or access teller services nationwide. Use our locator service to find the nearest shared branch.


To open a checking account, you must be a member of HUD FCU. Establishing your membership is easy – just open a primary share savings account. See if you’re eligible for membership. For additional information or assistance, please call us at 202-863-2800 ext 3.