Free Checking Accounts - Harvard University Employees Credit Union
Holiday Hours: All HUECU Branches and Support Center will be closed on Monday, January 18 for the Martin Luther King Jr. holiday.

Find a checking option that meets your unique needs.

Our Crimson Checking Accounts come in several configurations so you can select the features and benefits that matter most to you. Choose any one of HUECU’s Crimson Checking Accounts and you’ll have access to ATMs nationwide as well as a host of other great benefits.

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Waive Goodbye to ATM Fees

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With an HUECU Crimson Checking Account, you will have the freedom to use any ATM in the United States. Depending on which account you choose, you’ll get anywhere from $10 to $50 in ATM surcharges automatically refunded each month.1

Amazing Perks & Discounts

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Crimson Checking is all about giving back to members who support the Credit Union. That’s why we’ve included exceptional benefits such as Free Checks, discounted rates on Auto Loans, plus special bonuses toward Credit Cards, Mortgages, CDs and more!

Checking Made Easy

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Our Crimson Checking Accounts were all designed with simple terms and minimal requirements to waive the monthly account fee. Based on your unique financial relationship, we will match you with an account that is easy to understand so that you can access all the valuable features at no cost.

Other Checking Options

Basic Checking

Looking for a bare-bones checking option?   Basic checking is your classic no frills, no fees account. Not a lot of added value here, just a simple account for simple needs.

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College Life Account

Attention Harvard Undergrads: If you’re looking for the best student banking experience, the HUECU College Life Account is the best choice for your undergraduate education and beyond.

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Varsity Life Account

The Varsity Life Account is free checking account designed specifically for members ages 13-17. Teach your teen valuable financial skills and help them build a strong foundation for the future.

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Checking Debit Credit Cards IconDebit Cards

Get valuable information about our Debit MasterCard®, including how to get a replacement card and how to reset your PIN.

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Checking Overdraft Protection IconOverdraft Protection

Set up an HUECU savings account as an overdraft source for your HUECU Checking Account, or you can open an Overdraft Line of Credit.

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Checking Order Checks IconReorder Checks

First time check orders need to be done over the phone, but reorders can be done quickly and easily here.

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ATM Fees 101

ATM Fees vs Surcharges

When you use an ATM that is not owned by your financial institution, the owner of the ATM will often charge you a Surcharge. This is the annoying fee (usually $2-$3) that you are asked to accept on-screen before continuing.

In addition to the surcharge you pay, the ATM owner will also charge your financial institution a fee for use of the machine. To offset a portion of the cost, you will typically see a Foreign ATM Fee (usually $1 – $2) on your monthly statement.

Fee-Free with Crimson Checking

What makes HUECU’s Crimson Checking Accounts so exceptional is that you can avoid paying ATM Surcharges and ATM Fees altogether. With each Crimson account, HUECU will waive a number Foreign ATM fees each month. Better yet, some or all of the surcharges that you accepted and paid at other bank’s ATMs will be returned to your Checking account in one lump sum at the end of the month.1

Surcharge-Free ATM Programs

HUECU participates in the SUM program, which gives members access to over 5,200 surcharge-free ATMs nationwide. The Credit Union is also a part of the NYCE Shared Deposit program. Any NYCE Shared Deposit ATM will accept deposits to your Credit Union account.

 1. Fees will be refunded at the end of your monthly statement period. The number of ATM fee waivers and refunds differs by account.

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