The account opening processes varies slightly based on whether you are an existing HVFCU member or you have yet to establish your membership. At this time, business members are unable to open their accounts online.
Account Opening for Existing Members
Existing members can open all of the accounts listed above by signing into Internet Banking and selecting the “Open an Account or Certificate” link from the “Additional Services” menu. Savings, checking, money market, and certificate accounts can be opened 24 hours a day, seven days a week. If you open these accounts outside of normal business hours, they will appear in your accounts list the following business day.
Additionally, if you are an existing member, based on the accounts you are opening, you also have the option to:
- Order paper checks
- Request Bill Pay access
- Request direct deposit
- Set up overdraft protection
If you would like to open your accounts with a joint member, you will be provided the appropriate paperwork during the account opening process.
Account Opening for New Members
If you have yet to establish your HVFCU membership, you can do so at any time from this page or by clicking the “Become a Member” link from the drop down menu at the center of our homepage.
Membership is established by opening a primary savings account in your name with as little as $5. If you choose to establish your membership online, you are automatically required to open a primary savings account. In addition to that account, you may also choose to open a checking, money market, or certificate account.
Additionally, as you go through the application and establish your membership, based on the accounts you are opening, you also have the option to:
- Request an ATM / Visa Debit Card and order paper checks
- Request Internet Banking, Bill Pay, and MAGIC access
- Request direct deposit
- Set up overdraft protection (as applicable to the type of accounts opened).
If you choose to open your accounts with a joint member, you can do so during the account opening process.
If you establish your membership online, we also request that you complete a Signature Verification Card so that we have your signature on file for verification purposes.
1 You may only open select certificate accounts through Internet Banking (no IRAs, Flex Certificate Account, Save Smart Certificate Accounts, or jumbo certificate accounts). You may open a certificate account for any term from 3, 6, 12, 18, 24, 36, 48, and 60 months, with a minimum deposit of $500 and a maximum deposit of $49,999. If you would like to open a certificate account for more than the maximum amount allowed, please call our Contact Center at 845.463.3011 / 800.468.3011, or visit any of our branches. Additionally, if you would like to add a joint owner or beneficiary to your certificate account, please call our Contact Center or visit any of our branches.