PaySmart Accounts

For those who require a simple transactional account, we offer the HVFCU PaySmart account as an alternative to a checking account. PaySmart is a non-dividend bearing account for members who choose to pay their bills with money orders. When the minimum balance requirement is maintained, money orders purchased through a PaySmart account are discounted from our regular money order fee of $4.00.

PaySmart Account Features

  • Flexible account alternative for paying your bills if a checking account does not meet your needs.
  • Low, minimum opening deposit of $25.
  • Receive unlimited money orders at a discounted fee of $.75 each when you keep a daily minimum balance of $25.1
  • No monthly maintenance fee if your balance falls below $25.1
  • No per transaction fees.
  • Perform transactions at any of our branches, by phone, or through ATMs, Internet Banking, Mobile Banking or MAGIC.
  • Transactions on this account are subject to Regulation D withdrawal limitations, and the Truth in Savings Disclosure & Account Agreement.

Safe and Secure

Your accounts at Hudson Valley Federal Credit Union are safe—insured by the National Credit Union Share Insurance Fund to at least 250,000. Visit to learn more about your Share Insurance Coverage and to access resources including a Share Insurance Estimator tool, publications, videos, and more.

1 If your account balance falls below the $25 minimum, the cost for a money order rises from $.75 to $4.00.

    © 2016 Hudson Valley Federal Credit Union

    PO Box 1071, Poughkeepsie, NY 12602-1071
    ph: 845.463.3011 / 800.468.3011

    Routing Number : 221979363
    HVFCU Prepaid Visa Routing Number: click here

    Unauthorized Access Warning – Access to Internet Banking is restricted to authorized HVFCU members only.