No Fee
Connect
Checking

No Fee Checking Account

Our free Connect Checking account has no fees, and it comes with a free debit card, free online banking access, and access to over 30,000 surcharge-free ATMs. Maybe the best part is there are no minimum balance requirements!

Open a No Fee
Checking Account

Free Online
Banking Access

No Minimum Balance
Or Monthly Fees

Free MasterCard®
Debit Card

Access Over 30,000
Surcharge-Free ATMs

Enjoy The Perks

  • Earn cash back (percentage-based) at over 17,000 local and national merchants
  • Your cash back rewards are automatically deposited into your Connect Checking account
  • Easy access to view your cash back balance online
VIEW REWARD OPTIONS

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! 

Direct Deposit Info

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.

  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.

Debit Card Round up

Our Debit Card Round Up program, formerly known as “It’s Your Change,” allows you to easily save money. 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

  • Debit Card Round Up is free and available to any member with a checking account and an active debit card.
  • With Debit Card Round Up, each debit card transaction is automatically rounded up to the nearest dollar and the change is deposited into an account of your choosing.
  • Funds can be deposited into your main savings account, a money market, or create a separate savings account and watch those dimes and nickels add up!

How To Enroll

Members can enroll in online banking or the mobile app 24/7. You can also call us at 800.442.2800 or stop by any member center.

  1. Log in to online banking
  2. In the Member Services menu tab select Debit Card Round Up
  3. Select the eligible checking account you would like to enroll
  4. Choose the option “I would like to round up purchases on my debit card for this account”
  5. Select which savings account you would like the amount to be deposited into and click Update
screenshot of enrolling in Honor Credit Union Debit Card Round Up program in online banking
(click to enlarge)

 

  1. Log in to the Honor mobile app
  2. Tap More on the bottom right
  3. Scroll down and tap Debit Card Round Up
  4. Select the eligible checking account you would like to enroll
  5. Choose the option “I would like to round up purchases on my debit card for this account”
  6. Select which savings account you would like the amount to be deposited into and click Update
screenshot of enrolling in Honor Credit Union Debit Card Round Up program in the Honor app
(click to enlarge)

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.
Learn More
woman looking disappointed while sitting on couch surrounded by shopping bags

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.