Checking Accounts
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Check out our current rates

Checking Accounts

Hawks Checking

Hawks Checking is perfect for a first-time checking user. Designed for teens ages 13-17, Hawks has no monthly fees and earns interest on deposits. To help children learn how to manage their funds, debit cards are available with parental permission.  At age 18, the Hawks checking automatically turns into our Liberty checking to allow the option to select overdraft services.

Liberty Checking

Liberty Checking is a great choice for a basic checking account.  There is no minimum balance required, no per check charges, and no monthly services fees when e-statements are selected. It’s a great option for members that have fluctuating balances.

Advantage Plus Checking

Blackhawk wants to reward our members that use our credit union services by offering the Advantage Plus checking.  This tiered variable rate account pays dividends and earns Reward points for purchases.  The unique tier structure on this checking pays the highest rate of interest on balances between $100 and $1000.  A refreshing change from the typical high balances required on other dividend checking accounts.

Legacy Checking

Created for our members 55 and older, our Legacy checking earns dividends on balances over $500, offers a lifetime of free checks, earns Rewards while you shop, and includes unlimited ATM withdrawals.

 

Checking Comparison Chart

Hawks Liberty Advantage Plus Legacy (Age 55+)
Age Requirements 13-17 18+ 18+ 55+
Minimum Balance No No No No
Product/Service Requirements None eStatements ACH/Direct Deposit/Debit Card/Loan or Credit Card None
Monthly Fees None $2 if requirements are not met $5 if requirements are not met None
Earns Dividends
  • variable rate
  • earned daily
  • compounded quarterly
  • (current rates)
No
  • tiered variable rate
  • earned daily
  • compounded quarterly
  • (current rates)
  • tiered variable rate
  • earned daily
  • compounded quarterly
  • (current rates)
Minimum to Earn Dividends N/A $100 or more $500 or more
Direct Deposit Available Available 1 required per month Available
eStatements Available Required Available Available
Reward Debit Cards Yes (parent approval) Yes Required Yes
Overdraft Privilege Limit Not Available $400.00* $700.00* $700.00*
Free Checks 1st box of 25 free No 1st box of 25 free Yes (BHCCU design or $25 credit)
Per Check fee None None None None
ATM Transactions (using either an ATM card or a Debit card)
  • unlimited BHCCU
  • 4 Free non-BHCCU transactions*, $1 each additional transaction
  • unlimited BHCCU
  • 4 Free non-BHCCU transactions*, $1 each additional transaction
  • unlimited BHCCU
  • 6 Free non-BHCCU transactions*, $1 each additional transaction
  • Free and unlimited non-BHCCU ATM transactions*
FREE Online Banking, Mobile Banking, Bill Pay, e-alerts, Check Images Yes Yes Yes Yes

*Transactions performed at non-Blackhawk ATM’s may be subject to a surcharge fee by the owner of the ATM.

*Overdraft Privilege is available for eligible checking accountholders. Overdraft Privilege will cover checks, drafts, electronic funds transfer, debit card transactions, ATM withdrawals, and other withdrawal requests for a fee of $30 each time you use it. The overdraft must be paid within 30 days and the checking account must have a positive balance for a minimum of 24 hours. We may refuse to pay an overdraft at any time, even though your account is in good standing and we may have paid overdrafts in the past. You will be notified of any returned items by mail.