Free Checking That Fits Your Life!
Banking shouldn’t come with strings attached, or surprise fees. With Free Checking from Hoosier Hills Credit Union, you can keep more of what you earn and enjoy all the modern conveniences that make managing your money easy.
Your account should work for you, not the other way around. Whether you’re getting your first checking account or just ready to make a smarter switch, we make it simple to get started.
Open your Free Checking account online
Getting started is now more convenient. Whether you’re already an HHCU Member or joining us for the first time, choose the option below to begin your application securely online.
Not yet an HHCU Member?
Apply and become a Member
Use this application if you do not currently have an HHCU membership. You’ll open Free Checking and establish your membership in one secure process.
Open a New MembershipAlready an HHCU Member? Please choose the Existing Member application to the right.below.
Already an HHCU Member?
Apply as an existing Member
Use this application if you already have an HHCU membership and want to add Free Checking.
Add Free Checking to My MembershipNot yet an HHCU Member? Please choose the New Member application to the left.above.
Make deposits simple
Explore convenient Direct Deposit and Payroll Deduction options for your HHCU account.
| Type | Balance | Dividend Rate | APY* |
|---|---|---|---|
| FREE Checking | Average balance of less than $1,000 | 0.00 | 0.00 |
| FREE Checking | Average balance of $1,000 or more | 0.05 | 0.05 |
| Smart Spending (Teen Checking) | Average balance of less than $1,000 | 0.00 | 0.00 |
| Smart Spending (Teen Checking) | Average balance of $1,000 or more | 0.05 | 0.05 |
*Rates may change after account is opened. Rates effective as of 9/12/2026 *$1,000 minimum balance required to earn APY. (APY = Annual Percentage Yield.) | |||
Online Banking
Stay in control of your money anytime, anywhere.
You can check balances, pay bills, transfer funds, and track your spending—all from the comfort of your device.
Mobile Banking
Your money, right in your pocket.
Whether you’re at home or on the go, our secure app keeps your finances at your fingertips.
Teen Smart Spending
Smart Spending gives teens the freedom to spend wisely while making money management easy, empowering them to save, grow, and build confidence along the way.
Set up Direct Deposit and get your money automatically — fast, secure, and hassle-free!
Why Use Direct Deposit?
Fast: Your funds are available right away—no need to wait for a paper check.
Safe: Avoid lost or stolen checks with secure, electronic transfers.
Convenient: No more trips to the Service Center or ATM.
Whether it’s your paycheck, Social Security, retirement income, or government benefits, Direct Deposit puts your money where it belongs—right in your account.
Make Saving Effortless with Payroll Deduction
Want to build your savings without thinking about it? With Payroll Deduction, a portion of your paycheck is automatically routed to either your savings account or loan payment. It’s the easy way to stay on track with your financial goals.
How to Get Started with Direct Deposit
Download Our Direct Deposit Form Here
Fill it out and give it to your employer or benefits provider. No need to turn it back in to us!
Need Help?
Visit your local Service Center or give us a call at 800.865.2612 — we’ll walk you through it.
Hoosier Hills Credit Union Routing Number: 283977633
Use this number when setting up Direct Deposit or Payroll Deduction.
Disclosures
Checks available for purchase in a variety of styles and colors.
*Fees may reduce earnings