High Yield
Checking
Free Benefits Checking Account
With Honor’s high yield Benefits Checking account you’ll earn a high rate of interest on your average daily balance every month. A free checking account that pays you money sounds too good to be true, right? Wrong! It’s just another way we are committed to making your money work for you. Open your account online now!
Earns 3.00% APY
On Your Average Daily Balance*
No Monthly Or
Minimum Balance Fees
Receive a Free MasterCard®
Debit Card
Monthly ATM Surcharge
Reimbursements*
EASY REQUIREMENTS
It’s easy to take advantage of our free interest-earning Benefits Checking account!
Enroll In eStatements
Have a valid email address on your account, and enroll in monthly e-Statements.
Setup Direct Deposit
Set at least one direct deposit to your Benefits Checking account each month.
Log In To Online Banking
Log in to your Honor online banking account at least one time each month.
Swipe Your Card
Make at least 12 debit card transactions per month using your signature.
(PIN transactions not eligible)
View the full disclosure of account rates and conditions
Interest Calculator
Using our interest calculator, you can determine how much interest you can earn on your average daily balance with a high yield Benefits Checking account.
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!
Details
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.
- No checking account required
- Many employers post direct deposit funds 1-2 days early
- $10 early access fee per instant deposit
- There is no fee for a normal ACH direct deposit
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.
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.
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
- You can set up automatic transfers from another account, such as a savings account or money market, to cover your overdraft.
- You can set up automatic transfers from a line of credit or credit card to cover your overdraft.
- Learn how Courtesy Pay could help cover an overdraft if you do not have an automatic transfer set up.
- Learn how an NSF (Non-Sufficient Funds) might occur when you don't have an automatic transfer or Courtesy Pay set up.

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
- Login to online banking
- 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. Insured by NCUA