Our branches will be closed Monday, October 12th in observance of Columbus Day. | LOBBIES NOW OPEN!!! |   CLICK HERE for the most recent updates related to our credit union and the COVID-19 pandemic.
Please Note: Our members have been receiving calls from someone stating they are with Heart O’ Texas fraud department” or “Heart O’ Texas Federal Credit Union or Bank” asking them to withdraw a large amount of money and have it put on a game card, or Visa/Mastercard. At times fraudsters are asking our members for full social security number, and DOB, previous addresses or old vehicles owned in the past or act as though they already have their information. They are also being tracked when on the phone. We will NEVER call and ask you to withdraw money from your account and place it on a game card, gift card, pre-paid debit card or any other type of card.

Checking Accounts

Photo of Debit Card Usage in Storefront

GEM Checking

$9.75 Monthly Service Fee

  • $25 minimum to open
  • Access to telephone banking service
  • Access to Online Banking
  • No minimum balance required
  • Debit Card; No Monthly Fee
  • Dividends; $750 minimum account balance to earn dividends
  • Free notary service
  • Account history print out; one free per quarter
  • Unlimited Transactions
  • Unlimited Check Writing
  • Free Checks
  • Free stop payment; One per quarter
  • Free check copy; One per quarter
  • Travelers Checks; No issue fee
  • Accidental Death and Dismemberment Coverage
  • Key ring registration
  • $100.00 emergency cash if you are stranded more than 100 miles from your home (provided as an interest free loan from HOTFCU)
  • Emergency Data Card
  • Laminated luggage tags
  • Emergency travel tickets provided should your tickets be stolen or lost (provided as an interest free loan from HOTFCU)

Hotline Checking

$5.00 Monthly Service Fee

  • $25 minimum to open
  • Access to telephone banking service
  • Access to Online Banking
  • No minimum balance required
  • Debit Card; No Monthly Fee
  • Dividends; $750 minimum account balance to earn dividends
  • Free notary service
  • Account history print out; one free per quarter
  • Unlimited Transactions
  • Unlimited Check Writing

 

Basic Checking

No Monthly Service Fee

  • $25 minimum to open
  • Access to telephone banking service
  • Access to Online Banking
  • No minimum balance required
  • Debit Card ($1.95 Monthly Fee)
  • Dividends; $750 minimum account balance to earn dividends
  • Free notary service
  • Maximum 50 transactions; per month

Safe Asset Money Market

No Monthly Service Fee

  • $2,500 minimum to open
  • $2,500 minimum balance required
  • Access to telephone banking service
  • Access to Online Banking
  • Dividends; $2,500 minimum account balance to earn dividends
  • Unlimited Check Writing

 

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