SuperMoney
  Hudson Valley FCU Checking Account
Hudson Valley FCU Checking Account
in Checking Accounts from Hudson Valley Credit Union · Insured by NCUA
Unaffiliated

Hudson Valley FCU Checking Account

Unaffiliated
in Checking Accounts from Hudson Valley Credit Union · Insured by NCUA
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

2 users recommend
0 users are unsure
0 users don't recommend
Explore a similar product
Try this top product in Checking Accounts.
U.S. Bank Smartly™ Checking
U.S. Bank Smartly™ Checking 5 reviews
Highlights
Community Rating

Rating not yet determined  

Cashback Rewards N/A
APY (Annual Percentage Yield) 0.02%
(Verified 08/05/2022)
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0

Hudson Valley FCU Checking Account Review

Hudson Valley FCU Checking Account is offered by Hudson Valley Credit Union, a credit union founded in 1963 and based in Poughkeepsie, NY. Hudson Valley FCU Checking Account is available in 1 state across the USA.

Key Takeaways

  • Bonus offer. Open a new account and you can get
  • Low APY. The maximum annual percentage yield for this account is only 0.02%.
  • No minimum initial deposit. There is no minimum balance required to open an account online.
  • No ATM fees. Hudson Valley FCU Checking Account does not charge fees on ATM transactions within its network but there is a fee of up to $2 for out-of-network 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 through Hudson Valley Credit Union.

Hudson Valley Federal Credit Union checking account Pros & Cons

Pros Cons
  • Dividend-yielding account.
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.

Hudson Valley Federal Credit Union checking account FAQ

Are checking accounts from Hudson Valley Credit Union federally insured?

Yes, your Hudson Valley Credit Union 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 Hudson Valley Federal Credit Union checking account offer?

Hudson Valley FCU Checking Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.02%

Hudson Valley Federal Credit Union checking account offers an APY of 0.02% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Hudson Valley Federal Credit Union checking account?

Hudson Valley Federal Credit Union checking account does not require a minimum initial deposit.

Hudson Valley FCU Checking Account Minimums
Description
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0

What fees does Hudson Valley Federal Credit Union checking account charge?

This account charges a monthly service fee of $0.

Hudson Valley FCU Checking Account Fees
Description
Monthly Fee $0
ATM Fee: In-Network $2
ATM Fee: Out-of-Network Starting at $2
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $5
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $40
Paper Statement Fee $4
Online Bill Pay Fee $0
Check Cashing Fee $1
Debit Card Replacement Fee $5
Early Account Closure $20

Does Hudson Valley Federal Credit Union checking account charge overdraft fees?

Yes, Hudson Valley Federal Credit Union checking account charges a $30 fee for every overdraft. You can get overdraft protection at a cost of $5 per transaction.

What features and perks does Hudson Valley Federal Credit Union checking account offer?

This account includes the following features:

  • ATM rebates - This account will reimburse you for any domestic ATM fees.
  • Fraud monitoring - Hudson Valley Federal Credit Union checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Hudson Valley Federal Credit Union 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.

What is the customer support email for Hudson Valley Federal Credit Union checking account?

The customer support email for Hudson Valley Federal Credit Union checking account is socialmedia@hvfcu.org.

How do people rate the customer service and user experience of Hudson Valley Federal Credit Union checking account?

Overall, Hudson Valley Federal Credit Union checking account is strongly recommended based on community reviews that rate customer service and user experience.

Hudson Valley FCU Checking Account Disclosure: If you live, work, worship, volunteer or attend school in Dutchess, Ulster, Orange, or Putnam County, you are eligible for membership.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 Hudson Valley Federal Credit Union checking account

Get the best checking with HVCU. We’re not your average bank, and you’re not just a number. We won’t charge you monthly fees, and there’s no minimum balance to worry about.

Our basic account is anything but – you’ll get a Visa® Debit Rewards Card with access to over 85,000 surcharge-free ATMs and mobile wallet for contactless payments. Easily deposit checks right from your phone with our Mobile Deposit feature or set up direct deposit with your employer so you don’t have to wait. Pay your bills online, set up automatic transfers, and sign up for account activity notifications. Complete your experience with Internet Banking or Mobile Banking, which make it easy to access your accounts and do all of the above and more.

You’ll love that our checking account goes beyond basic and free. We treat our members right!

Availability

  Available in 1 state
New York
Availabile in all of New York

Feature Breakdown

Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0
Monthly Fee $0
ATM Fee: In-Network $2
ATM Fee: Out-of-Network Starting at $2
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $5
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $40
Paper Statement Fee $4
Online Bill Pay Fee $0
Check Cashing Fee $1
Debit Card Replacement Fee $5
Early Account Closure $20
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • ATM Reimbursement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
  • Branch Access
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.02%
(Verified 08/05/2022)

Hudson Valley FCU Checking Account Community Reviews

 

Would you recommend Hudson Valley FCU Checking Account to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Checking Accounts