Checking Accounts

At New Horizons Credit Union, we offer members several checking accounts to fit your needs and lifestyle.  Below is a description of all the checking account solutions available to members.

Basic, Free Checking

Our no-cost Basic Checking account offers these features and benefits:

  • No monthly service fee or minimum balance to open account
  • Access your funds through ATMs in the Allpoint, STAR or Cirrus networks
  • No Cost   Visa® Debit Card
  • Unlimited check writing
  • 24/7 Voice 24 Telephone Account Access
  • 24/7 Online & Mobile Banking with Remote Deposit Capture
  • No-cost Bill Pay service
  • No-cost e-Statements
  • Courtesy Pay for overdraft protection available upon qualification. Contact or ask an NHCU representative for details.
  • This account does not earn a dividend rate.
Switch Kit - Makes Switching to our Checking Account Easy

New Horizons Credit Union offers this handy Switch Kit to help make the transition from your former financial institution to us go smoothly.  Click here to download our Switch Kit.  For further questions, please call our Member Services Center at 251-316-3240.

 
 
Ultimate Checking Products:
 

Besides our basic, Free Checking Account, New Horizons is proud  to offer Ultimate Checking Products that offer the same perks as our basic, Free Checking, plus perks for performing financial basics you probably already do. 

Enjoy your choice of an Ultimate Dividend Checking Account that offers a competitive dividend rate or an Ultimate Cash back Checking Account that offers cash back on qualifying debit card purchases.   Plus, enjoy the perks of reimbursement of up to $15 in ATM withdrawal fees, nationwide.*  So, every ATM is your ATM!

To earn the perks with either of these Checking Accounts, just do the following transactions and activities in your NHCU Checking Account during each Monthly Qualification Cycle.

Monthly Qualification requirements to earn perks:

  • Have a least 1 bill pay, 1 ACH payment transaction, or 1 direct deposit post and settle.
  • Have at least 15 debit card purchases post and settle.
  • Be enrolled in and agree to receive e-Statements.  If no e-Statement, these accounts will incur a $3/month paper statement fee.

If you don't meet these qualifications each month with the Ultimate Dividend Checking account, you still earn the base rate, and can get right back to earning your full dividend perks the very next cycle that you qualify.   With the Ultimate Cash back account, if you don't meet these qualifications each month, you can also get right back to earning your full cash-back perk the very next cycle that you qualify.

 

Ultimate Dividend Checking Account

 

Enjoy the same features as our basic, Free Checking, except with Ultimate Dividend Checking - you have an opportunity to earn a competitive dividend rate as long as you meet the monthly qualifications requirements as stated above.

This account earns dividends as follows:

  •  1.00% APY* on balances up to $10,000.00*
  •  1.00 to 0.32% APY* on balances over $10,000.00 depending on balance in account*
  •  0.05% APY* if monthly qualifications are not met.*
  • Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)*
*When your Ultimate Dividend Checking Account qualifications are met during a Monthly Qualification Cycle, balances up to $10,000 receive an APY of 1.00%; and balances over $10,000 earn 0.25% dividend rate on the portion of balance over $10,000, resulting in a range from 1.00% to 0.32% APY depending on the account balance.  When qualifications are not met, all balances in the account earn 0.05% APY.  The following activities do not count toward earning account perks:  ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by us as ATM transactions, and purchases made with debit cards not issued by us.  Transactions bundled together by merchants and received by us as a single transaction count as a single transaction for the purpose of earning account perks.  "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.  Additional terms and qualifications apply.  Please see Credit Union for complete details.  APY - Annual Percentage Yield.
 

Ultimate Dividend Cash Back Checking Account

 

Enjoy the same features as our basic, Free Checking, except with Ultimate Cash Back Checking -you have an opportunity to earn cash-back on your qualifying debit card purchases as long as you meet the monthly qualifications requirements as stated above.

This account earns cash-back as follows:

  • 2.00% Cash back on up to a total of $400 debit card purchases with a maximum of $8.00 cash back each monthly qualifying cycle.*
* When Ultimate Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.00% cash back on up to a total of $400.00 debit card purchases that post and settle to the account during that cycle period.  A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle.  When Ultimate Cash Back  Checking qualifications are not met, no cash back.  The following activities do not count toward earning account perks:  ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by us as ATM transactions, and purchases made with debit cards not issued by us.  Transactions bundled together by merchants and received by us as a single transaction count as a single transaction for the purpose of earning account perks.  "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.  Additional terms and qualifications apply.  Please see Credit Union for complete details.  APY - Annual Percentage Yield.

 

New Start Checking

If you have had issues with your previous checking account, New Horizons Credit Union may be able to offer a solution to you for a second chance. So, if you do not qualify for our regular No-Cost Checking, you may still qualify to have this New Start Checking account. After 12 months of proven capability to manage a checking account with no returned checks or other issues, a member may request to be signed up for any of our other checking account programs. This is a great program to help re-establish yourself.

  • $100 opening balance required & proof of current employment
  • No minimum balance to maintain
  • Unlimited check writing
  • No cost   Visa® Debit Card
  • Small monthly service charge 
  • Ability to establish a regular Checking account after 12 months of proven history.
  • This account types does not earn a dividend rate.

 

Check Printing Re-Orders

New Horizons offers members an opportunity to purchase checks through a trusted partner, Harland Clarke.  Harland Clarke stands behind their check products which offer safety features and high ink quality to ensure you receive quality checks at an affordable price.  Their member support can assist quickly with any check product issues to help avoid unnecessary inconveniences.  Initial check orders with new checking accounts must be handled at one of our branches, but reorders (without changes) can be easily done online by clicking the button below.

Click here to re-order checks


 
*Check (Share Draft) Image Retrieval

Check image retrieval is available to members through Online Banking at no cost to you. You will be able to retrieve your check images using a computer.

To Retrieve Check Images:
  1. Sign into Online account access
  2. Click on the checking account you want to see, either through Transactions or Accounts.
  3. Check transactions will be listed as Check Withdrawal under the description. To the left you will see the check number. Click on the check number to view your check image!*

*The check must have been posted to your account on or after August 6, 2007. If you try to retrieve a check prior to this date an error window will display stating "All checks written prior to August 6, 2007 have to be requested at your local branch or by calling the call the Call Center." We will continue to charge for this option.