Crimson Elite Checking - Harvard University Employees Credit Union

Bump up your CD with a

0.10% APY

bonus rate

Crimson Elite Checking is all about making your financial journey even more rewarding — like getting an additional 0.10% APY bonus rate on any CD.

Free ATMs

Unlimited HUECU per month
Unlimited Non-HUECU per month

ATM Surcharges Refunded

$50 per month⁸

And enjoy these additional perks

$300 Mortgage Closing Credit⁴
2,500 bonus points on a new Platinum Rewards MasterCard^®
Discounted rates on Auto or Personal loans with Auto-pay⁵

Bonus rates on CDs
One-time add-on to CDs⁶
Unlimited free checks⁷

Upgrade to Crimson Elite

If you are upgrading an existing HUECU checking account, use the form below.

If you are adding a new checking account (but you’re already a member), click here.

Not yet a member of the Credit Union? Sign up by completing our
Online Membership Application.

This iframe contains the logic required to handle Ajax powered Gravity Forms.

Crimson Elite Checking Accounts have a monthly fee¹ of $20. This monthly fee can be waived with a minimum balance³ of $5,000 in your Checking account OR $10,000 in Total Deposits at the Credit Union.

Overdraft 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.

Learn More

Debit Cards

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

Learn More

Reorder Checks

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

Learn More

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.

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 waived until the end of the first full calendar month after account opening.
2. Direct Deposit determined by a single $200 incoming ACH within the month.
3. Minimum Balance calculated as daily average.
4. Closing Credit cannot be combined with any other offer including First-Time Home Buyer Credit or any other closing cost program offer.
5. Loan rate discount only available at time of application and will be .25% off of the qualified Annual Percentage Rate.
6. One-time add-on cannot exceed original purchase amount.
7. Free checks include standard check designs. Other designs available at additional cost.
8. ATM surcharge refunds only apply to ATM’s located in the United States. For Crimson Essentials, the 10 debit card purchases must take place within the statement cycle period.