Two Free Checking Account options

Honor Credit Union offers two free checking accounts with no monthly fees and no minimum balance fees. Whether you prefer our basic no-frills Connect Checking account, or our high yield Benefits Checking account, we have the perfect checking account solution for you.

Track Spending In Online Banking & Mobile App

No Monthly Or
Minimum Balance Fees

Free MasterCard® Debit Card With Your Account

Access To 30,000+
Surcharge-Free ATMs

Compare Checking Accounts


  • Earn 3.00% APY* on your average daily balance
  • Easy monthly requirements to earn interest
  • Free account with no monthly fees
  • Up to $20 cash back in monthly ATM surcharges


  • Free account with no monthly fees
  • Free online banking
  • Free debit card
  • Access over 30,000 surcharge-free ATMs

Benefits Checking

Connect Checking

Earns Interest*

Earns ATM Surcharge Reimbursements*

No Minimum Balance Requirements

No Monthly Fees

Free Online Banking

Access 30,000+ Surcharge-Free ATMs

Instant Deposit

If you have a pending direct deposit that you need to access sooner, you can now start getting your paycheck before payday with Honor’s Instant Deposit feature! As soon as you see your direct deposit pending within online banking, or on the mobile app, you can access those funds! 


An instant deposit³ is defined as early access to a direct deposit that is scheduled to post to your account. An instant deposit is a way for you to gain access to your funds sooner.

How To Request An Instant Deposit

You can request an instant deposit within your online banking, in the Honor app, or by calling 800.442.2800. Follow the steps below for online banking and the mobile app.

  1. Log in to online banking
  2. In the My Accounts tab select ACH Transactions
  3. Select the ACH transaction you wish to instantly deposit and click Post Now

a screenshot of online banking on a desktop computer view showing how to access funds early from a pending ACH deposit

4. Confirm your instant deposit request and select an account to have the $10 fee drawn from

a screenshot of online banking on a desktop computer view showing how to choose which account to pull a fee from to access funds early from a pending ACH deposit

  1. Log in to the Honor mobile app
  2. Tap Accounts on the bottom menu, and then tap My Accounts
  3. Tap ACH Transactions
  4. Select the ACH transaction you wish to instantly deposit and tap Post Now

screenshot showing the ach transactions available to be posted immediately

5. Confirm your instant deposit request and select an account to have the $10 fee drawn from

screenshot explaining the fee involved with posting an ach transaction immediately and asking which account to pull the fee from


³$10 fee per instant deposit to gain early access to funds. No checking account required. Direct Deposit and earlier availability of funds are subject to the timing of payer’s funding, and credit union approval. Honor Credit Union cannot guarantee a payer’s funds will be available for instant deposit. Requests per each Direct Deposit must be made within online banking or by contacting the credit union. Insured By NCUA.


A checking account that pays you a high rate of interest on your average daily balance every month is just too good to be true, right? Wrong! With Honor Credit Union’s Benefits Checking, it’s simple: Start Earning. Stop Worrying.

What Are The Benefits?


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Feel The Connection



  • No annual fee
  • Leave your card at home. If you have a smartphone, you have a Digital Wallet that you can load your debit card onto and use anywhere debit or credit cards are accepted.
  • Access to over 30,000 ATMs nationwide
  • Get your new debit card instantly at a member center

Card Support

  • We’re here to help when you need it – 24 hours a day, seven days a week, even if you’re out of the country
  • You will receive an automated call or text message if fraud is suspected on your card
  • Receive notifications when your card is used

Overdraft Protection

An overdraft occurs when you do not have enough available funds in your checking account to cover a transaction. We understand life happens, and everyone can sometimes make a mistake or encounter financial challenges, so we have overdraft protection options to assist you in these situations. 

What Your Options Are

woman looking disappointed while sitting on couch surrounded by shopping bags


We could all use a simple way to save money. With It’s Your Change, saving money has never been easier! Each debit card purchase will automatically round up to the nearest dollar, and the remaining change will be deposited into  your savings account. Just like putting your pennies and dimes in a jar, you’ll be surprised at how much you can save without even thinking about it!

How It Works

  • FREE to members with either Benefits Checking or Connect Checking
  • No more spare change jar. With It’s Your Change, you won’t forget to add to your special fund because it happens automatically!
  • Funds can be deposited into your main savings account, or create a separate savings account and watch those dimes and nickels add up!

How To Enroll

  • It’s Your Change is available to any member with a checking account and debit card
  • To sign up simply call us at 800.442.2800 or stop by any member center

Checking Account FAQs

Setting up or switching your direct deposit to Honor is as easy as a click of a button with our ClickSWITCH tool. We also have a simple form you can fill out and submit to your employer’s HR department.

Absolutely! Paying your bills online with Honor is free and easy. 

For Members
Visit our online banking page to learn how to set up Online Bill Pay.

Not a Member Yet?
No problem. First, let’s get you into the Honor family with our simple clickSWITCH tool.

Yes!  Both of our checking accounts give you access to over 35,000 surcharge-free ATMs across the country. As an added bonus, our Benefits Checking account pays you up to $20 each month in surcharge reimbursements if you use an ATM that is not in our network.

Leaving The Country?

No problem. 

  • Simply give us a heads up before you leave by calling us at 800.442.2800 or stop by a local Honor branch so we know to expect transactions from your destination.
  • Beware of blocked and sanctioned countries.  The Office of Foreign Asset Control (OFAC) of the US Department of Treasury has a current list of those countries. If the country you are visiting is on this list, ALL card activity will be blocked per the requirement from OFAC. On occasion, Honor Credit Union may block countries in addition to those listed on the OFAC list, but should there be additional countries, they would be listed here.
  • While debit and credit cards are accepted in most countries, MasterCard charges foreign currency conversion fees for purchases made with their credit and debit cards, in addition to ATM cash withdrawal fees.

No! Honor Credit Union doesn’t charge per-check fees for either checking account.

There are three ways to reorder checks!

Online Banking 

  1. Login to online banking
  2. Click the orange “OC” icon next to Checking on the main Account Summary page.

Deluxe Website

You can reorder checks by visiting the Deluxe website.

In Person

You can stop by any local member center and speak with an Honor team member to order more checks.

*$25 minimum deposit required. 3.00% APY earned on balances of up to $10,000.00. ATM foreign surcharge fees will be refunded monthly up to $20/month. Requires e-Statements, Direct Deposit, at least 12 debit card transactions that clear your account as signature-based debit transactions per month (note that Honor posts transactions based on how they are received from merchants) and minimum 1 monthly online banking login to earn 3.00% APY. Members not meeting requirements will not earn ATM foreign surcharge fee refunds. No free checks offered on this account. One account per Member. Annual Percentage Yield (APY) as of 01/01/21; Rate is variable and may change after account is opened. Federally Insured by NCUA