A non-dividend paying checking account designed for young adults (ages 16-21) to easily balance, establish good credit and become fiscally responsible.

Initial opening deposit requirement of $50.00
Must be 16-21 years old to open this account
No minimum balance requirement
No monthly service charges
No dividends paid
FREE paper statements delivered monthly by regular mail
FREE e-Statements available upon request (delivered monthly by email, verses regular mail)
FREE MasterMoney ATM/Debit Card
FREE unlimited ATM transactions anywhere*****
One FREE box of 50 basic standard wallet checks (first set only, during account opening)
FREE unlimited Online Banking
FREE unlimited Online Bill Payment
FREE unlimited ACH transactions (direct deposit, automatic loan payment, etc.)*
FREE unlimited 24hr Telephone Teller banking
FREE unlimited check writing
FREE photocopy services at any NHFCU location
FREE document shredding services at any NHFCU location
FREE faxing services at any NHFCU location
FREE coin counting services at any NHFCU location
No annual fee Platinum Rewards VISA card (subject to credit approval)**** (optional)
FREE 24hr Online Consumer Loan applications (auto, repair, vacation, personal, etc.)
Worry-free Overdraft Privilege Service*** (optional)

Have your child apply today.

Disclosures

* To set up direct deposit, you will need to provide your NHFCU account number plus NHFCU’s “routing number” to the originator (for example, your employer’s payroll department) which is: 211380425.

** Members age 50+ receive FREE basic standard wallet checks for life with any NHFCU checking account

*** All checking accounts come with Member Privilege™ which is an Overdraft Privilege Service, but should not be viewed as encouragement to overdraw your account. Member Privilege™ saves you the embarrassment of “bounced checks” and any associated fees from another financial institution and/or the merchant. When you don’t have enough money in your checking account, but need to pay a bill, you will find comfort in knowing NHFCU will cover your check if it is within your assigned credit limit. Remember this is not a line of credit or a loan. You will not be charged interest on your negative balance; however, you will need to replenish your account within 7 to 10 days. The only fee associated with this account is $27.00 per overdraft paid. New members must wait 30 days before Member Privilege is activated.

**** Freedom Checking Account holders may apply for Visa cards with required signatures of parents or guardians. Credit limits of $200 or $500 are imposed on Visa cards issued to Freedom Checking Account holders. Freedom Checking Account holders are not eligible for the Liberty or Flagship accounts. Freedom Checking Accounts available for young adults, ages 16-21 (only).

***** Including all NHFCU ATMs, all ATMs on the SUM network (they won’t charge you and neither will we), and all foreign ATMs not on the SUM Network (other institutions may charge you for using their ATMs but we won’t charge you for using their ATMs). SUM is a registered service mark of and is administered by the NYCE Corporation.