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Last Updated: 01/21/2026

Free Checking Account

from Hiway Federal Credit Union

Last Updated: 01/21/2026

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Highlights

Welcome Offer

N/A

Rewards

N/A

APY (Annual Percentage Yield)

0.01%(Verified 06/21/2024)

Monthly Maintenance Fee

$0(Verified 01/21/2026)

Free Checking Account Review

The Free Checking Account is offered by Hiway Federal Credit Union, a credit union founded in 1931 and based in St. Paul, MN. Free Checking Account is available in 2 states.

Key Takeaways

Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.01% .
No minimum initial deposit. There is no minimum balance required to open an account online.
No ATM fees. Free Checking Account does not charge fees on ATM transactions .
ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
Bill pay. Pay your bills to practically anyone in the United States when you enroll in Hiway Federal Credit Union mobile or online banking.

Free Checking Account Pros & Cons

Pros

Cons

Dividend-yielding account.
Insured by NCUA.
Access to physical branches.
Debit card and the option to lock/unlock the card if lost or stolen

No signup bonus.
Only available in 2 states.

Free Checking Account FAQ

Are checking accounts from Hiway Federal Credit Union federally insured?

Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Free Checking Account offer?

Free Checking Account Rates & Terms

Description

APY (Annual Percentage Yield)

0.01%

Free Checking Account offers an APY of 0.01% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Free Checking Account?

Free Checking Account does not require a minimum initial deposit.

Free Checking Account Minimums

Description

Minimum Opening Deposit

What fees does Free Checking Account charge?

This account charges a monthly maintenance fee each statement cycle of $0.

Free Checking Account Fees

Description

Monthly Maintenance Fee

Paper Statement Fee

Starting at $5

ATM Fee: In-Network

Starting at $0

NSF Fee

$28

Returned Deposit Fee (Domestic)

Starting at $4

Card Replacement Fee (Standard Delivery)

Starting at $10

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $28

Check Copy

Foreign Transaction Fee (Debit Card)

Starting at 1%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $20

Wire Transfer Fee - International (Outgoing)

Starting at $45

Returned Deposited Check

What features and perks does Free Checking Account offer?

This account includes the following features:

ATM rebates - This account will reimburse you for domestic ATM fees .
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - Free Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks^* in your account with a mobile app on your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Free Checking Account?

The customer support email for Free Checking Account is webmaster@hiway.org.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Free Checking Account

Say no to big bank fees and open a free checking account that will earn you dividends while you spend.

Online Budgeting: Quickly and easily view your banking, investments, mortgage and credit card information all in one place with our free money tracking tools.

Unparalleled Service: We build lifelong partnerships with our members. Welcome to red carpet treatment.

Member Discounts: Enjoy private discounts, offers and deals available exclusively to members.

Contact

Headquarters

111 Empire Drive

St. Paul, MN 55103

(651) 291-1515

Visit Site

Email Support

Hours of Operation

SundayClosedMonday8:00AM - 6:00PMTuesday8:00AM - 6:00PMWednesday8:00AM - 6:00PMThursday8:00AM - 6:00PMFriday8:00AM - 6:00PMSaturday9:00AM - 12:00PM

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SuperMoney Net Recommendation Score

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-1000+100

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