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While it’s easy to open a checking account, there are a few things you should know before you get started:
You’ll need proof. To open an account, documentation is needed to support who you say you are. Banks and credit unions may require different forms of proof, which often include: A government-issued identification card, i.e., Driver’s License/ID or a Social Security Number.
If you’re considering a checking account at a credit union, remember that they often require members to first open a savings account before opening additional accounts.
Checking accounts have different names: You’ll likely find there are several types of checking accounts, such as Basic Checking Account, Premier Checking Account, Checking PLUS, etc. Your financial needs will determine which checking account is the best fit.
Features vary by financial institution: Most financial institutions offer account holders the ability to monitor their accounts 24/7 using e-banking. Online and mobile communication regarding your account lets you initiate transactions without visiting a branch location. The extent of these features varies by institution and may include the ability to pay your bills online with electronic checks or e-transfers at no additional cost; deposit paper checks using your mobile device; or access your cash using an ATM debit card.
Different institutions offer different checking accounts to meet the needs of consumers. Visit HughesFCU.org or contact a Hughes Federal Credit Union representative at (520) 794-8341 to open a checking account with no minimum balance requirements or monthly fees.
