Checking

Check out your options

Peoples Powered by Hanscom Federal Credit Union provides three checking accounts for individuals and families, including two dividend-earning accounts. Compare your choices below!

Checking Account Rates

Comparison table of Checking Account Rates
Account Type	Minimum Balance	Minimum Required Balance to Obtain APY	Dividend Rate	APY^*	Footnote
Dividend Checking	$50.00	$0.01	0.06%	0.06%	(1)
Dividend Checking	$50.00	$1,000.00	0.08%	0.08%	(1)
Premier Dividend Checking	$50.00	$0.01	0.07%	0.07%	(1)
Premier Dividend Checking	$50.00	$2,500.00	0.10%	0.10%	(1)

* The Annual Percentage Yield (APY) assumes dividend will remain on deposit until maturity. A withdrawal will reduce earnings.

Dividends are compounded daily on all account types.

1. The dividend rate may change on these accounts after opening, and fees may reduce the earnings on the account.

2. A $5.00 monthly service charge will be assessed if minimum balance is not maintained. A $5.00 fee will be assessed for each withdrawal in excess of six (6) per statement cycle.

3. A $7.00 monthly service charge will be assessed if minimum balance is not maintained. A $5.00 fee will be assessed for each withdrawal in excess of six (6) per statement cycle.

4. A $25.00 fee will be assessed for each withdrawal in excess of three (3) withdrawals per calendar year. The fee will be assessed at the time of the excess withdrawal transaction.

Personal Checking Accounts
	Regular Checking	Dividend Checking	Premier Dividend Checking
Who is it for?	Anyone who wants an easy checking account without a lot of fees	People who want to earn dividends on their checking balance	People who carry a higher balance and want to enjoy better dividend rates
Minimum balance to open	$50.00	$50.00	$50.00
Minimum balance to maintain¹	$500.00	$1,000.00	$2,500.00
Monthly fee²	$5.00 if balance is below $500.00 $6.00 if balance is below $400.00 $7.00 if balance is below $300.00 (waived if minimum balance requirement is met, you have direct deposit or you are at least 62 years old)	$8.00 (waived if minimum balance requirement is met)	$10.00 (waived if minimum balance requirement is met)
Earns dividends ³
Check writing	No fees	No fees	No fees
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