HFS also offers several other types of Checking Accounts to suit your needs. All accounts are established with a savings account. Visit the Other Savings Accounts page for a list of requirements. 

Utilize your checking to easily manage your daily transactions. Visit Visa® Debit Card or Check Ordering for more information on these conveniences to access your money.

Corporation Accounts

A legal business entity that is separate and distinct from its owners.


Sole Proprietor Accounts

An unincorporated business owned and managed by a single individual.

Estate Accounts

An account opened by a personal representative who has been appointed by a circuit court judge.

General Partnership and Limited Liability Partnership (LLP) Account

All partners share in the profits and losses, and in the management of the business.

Limited Liability Partnership

Similar to an LLC, but its owners are accountants, lawyers, architects, and doctors.

Guardianship and Conservatorship Account


An individual nominated in a will by the courts to take care of a minor child or adult


An individual appointed by the court to manage the estate of a protected person

Limited Liability Company (LLC) Account

A corporate structure whereby the members of the company cannot be held personally liable for the companies debits & liabilities.

Non-Profit Organization Account

An organization or business granted tax-exempt status by the IRS that serves the public interest.

Representative Payee Account

A person or organization appointed by Social Security to receive benefits on behalf of someone who cannot manage their money.

Trust Accounts

A legal device in writing that enables a person to transfer property into the custody of another to use.

Revocable Trust

A trust the settlor may revoke/change at any time. Also known as a Revocable Living Trust or a Living Trust.

Irrevocable Trust

A trust that the settlor may not revoke at will.

Unincorporated Organizations, Association and Club Accounts

An organization that has not been given a corporate legal form, but is recognized by the law as having a status & an existence.

Uniform Transfers to Minors Act (HUTMA) Accounts

The person who opens the account is the “Custodian” who is responsible to administer the fund in the best interest of the minor under age 21.

Additional Information

The accounts listed above are not eligible for Individual Retirement Accounts and any Lending Products including Credit Cards.

HFS FCU Andriod app icon

HFS Federal Credit Union
Free - On the App Store

HFS FCU iOS app icon

HFS Federal Credit Union
Free - On the App Store

Online Banking