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    Account Services
        ATM Service
        VISA® Check Card
        Overdraft Protection
        Overdraft Privilege
        Direct Deposit
        Payroll Deduction
        Money Orders
        Cashier's Checks
        FREE Notary Services
        Stamps
Online Services:
Home Banking
Bill Pay
e-Statements

Saturday Banking
24 Hour Night Depository
PAL Voice Response
Pay The Easy Way
Passwords & Personal Identification Numbers (PIN)
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ATM Services
Girl at ATM

Locations:

  • GHSU Harper St. (Main Office across from the Children's Medical Center)
  • GHSU Hospital (at entrance to Terrace Dining Room)
  • Evans (Washington Road)
  • Trinity Hospital (Lobby)
  • You may also use any SRP Federal Credit Union ATM at no charge.
Please note HCCU will not impose a fee for any out of network ATM transactions, however, you will be responsible for the fees posted on an out-of-network ATM, payable to the other institution.

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VISA® Check Card

Apply today for the HCCU Visa Check Card to make everyday purchasing easy! The card works as an ATM card, but offers added convenience of being able to use it virtually anywhere. Purchases are deducted from your checking account and receipts are given by the vendor for easy record keeping.

Your monthly checking statement lists every transaction, or you can view your transactions 24 hours a day via Online Banking. Please allow 2-3 days for the transaction to post to your account.

Your HCCU Check Card may be used with no service charges at any HCCU or SRP Federal Credit Union ATM. If you use an out-of-network ATM, HCCU will not charge you a service fee, but you will be responsible for the fees posted on the ATM.

Other benefits include:
  • Maximum protection. If your card is lost or stolen, Visa's zero liability policy protects you from paying for unauthorized purchases.

  • Those with joint checking accounts can each have an HCCU Visa Check Card accessing that account.

  • The money is deducted from your checking account within 2-3 business days.

  • Perfect for traveling! Visa is accepted worldwide. Use your card to make purchases in other countries safely and easily.
visa Check Card

Point of Sales (POS) fee of .50 cents will be charged if you select "debit" and enter your PIN at a merchant terminal. No fee will be charged if you select "credit" and sign for the purchase. The credit option provides our members with the charge back rights available through VISA. This fee does not apply to ATM withdrawals or E-Checking Accounts.

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Overdraft Protection

Mistakes happen. If you overdraw your account, we can help. Apply for an overdraft line of credit and avoid non-sufficient funds fees. Otherwise, for a small fee HCCU will automatically transfer funds from your savings to cover the expense.

For a copy of the fee schedule or to apply for an overdraft line of credit, please see a credit union representative.

bouncing check

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Overdraft Privilege

Overdraft Privilege helps protect you against having your items returned in the event of an inadvertent overdraft of your account by giving you a reserve for emergencies or unexpected situations. There is no fee for having this privilege on your account; you are only charged if you overdraw your account. You do not have Overdraft Privilege on your account until you receive written confirmation from us that it has been added to your account.

Here is how Overdraft Privilege works for you. Overdraft Privilege is not a line of credit. However, if you overdraw your account, we have the discretion to pay the overdraft, subject to the limit of your Overdraft Privilege.

For example, suppose you do not have Overdraft Privilege and your account balance is $50. If you have a debit item for $100, HCCU will charge your account a fee (currently $35) for having an item with insufficient funds, and will then return the item if adequate funds aren’t available. In most cases, the establishment where you made the transaction will require you to pay for the item and will normally charge you a fee (usually around $30-$40) for writing an NSF item. This means that you have now incurred two fees ($35 at HCCU and $30 at the merchant) for an item that wasn’t even paid!

However, if you had $500 of Overdraft Privilege, here is how the situation typically would have worked. When the item arrived at HCCU, we would pay the item and charge you the $35 fee for an overdraft transaction. The total charge to you would have been $35 compared to $35 PLUS $30 in merchant fees if you had not had Overdraft Privilege. Additionally, you avoid being added to any bad check lists on the check approval networks or with the merchant.

When you use your Overdraft Privilege you must remember to subtract the overdraft fee from your account balance. In the example above you would have subtracted $135 from your account: $100 (the amount of the check) plus $35 (the amount of the overdraft fee). Any additional items that come in while your account has a negative balance will also be charged the NSF fee of $35 per item. It is important to record these fees. The next deposit that you make will bring your balance to the amount of the deposit minus the amount you were overdrawn (including any overdraft fees).

ATM machine receipts, and other ways in which you can get available balance information, will show only your ledger balance without the Overdraft Privilege included. However, you will be able to withdraw funds from the ATM and have transactions approved for ATM and debit card transactions, even though it will overdraw your account if you have given us prior consent. You must opt in to payment of overdrafts on these items on your consumer account. You will be charged the overdraft fee of $35 associated with these transactions.

What if I want Health Center Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you want us to authorize and pay overdrafts for which an Overdraft fee will be assessed on ATM and everyday debit card transactions, you may do one of the following:

  • Call us at 706-434-1600, or
  • Dowload the PDF Download Opt-In Agreement and either
    • present it at a branch
    • mail it to: POB 2762 Evans, GA 30819
    • fax it to 706-434-1625
    • scan and email it to operations@hccu.coop
Member NCUA.



Understanding Uncollected Funds

  • If you deposit to your account and are informed that a HOLD will be placed on some of the funds deposited, those funds are NOT available for you to withdraw until the date indicated on your notice.

  • If an item is presented against held funds and you have Overdraft Privilege on your account, you will be charged a negative funds fee of $35 to pay the item even though you have a positive ledger balance in your account.

  • For example: You have $100 in your checking account and deposit a $700 check on which we place a $500 hold ($200 is available to you immediately) for 5 days. Although you have a ledger balance of $800, only $300 is “available” for checks or other debits to be paid.

  • If you have a $500 Overdraft Privilege in the example above, you have available to you $800 to pay debit items. However, you will be charged a $35 fee for any debits paid against your account in excess of the $300 shown above as “available”.

Points to Remember about Overdraft Privilege

  • Every debit item on an overdrawn account will be charged an OD fee of $35.

  • You must promptly repay the amount of the overdraft and any overdraft fees.

  • Your Overdraft Privilege will not be included as part of your available balance at an ATM

  • You must bring your account to a positive balance within 35 days or the Overdraft Privilege will be removed from your account.

  • You do not have Overdraft Privilege until you receive a letter telling you that it has been put on your account.

  • You must opt in to payment of overdrafts for ATM and everyday debit card transactions.

Overdraft Privilege Terms and Conditions

You must maintain your account in good standing, which includes at least:

  • Continuing to make regular deposits to your account within each thirty-five (35) day period,

  • Bringing your account balance to a positive balance within each thirty-five (35) day period;

  • You are not in default on any loan or other obligation to HCCU; and

  • You are not subject to any legal or administrative order or levy against your account with us.

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Direct Deposit

Having your check deposited directly into your account prevents loss or theft of checks in the mail or otherwise. It also saves you a trip to the credit union every pay day to access your funds. Have treasury checks, retirement checks and tax refunds directly deposited to maximize your convenience.

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Payroll Deduction

Have a designated portion of your paycheck automatically transferred into your account. Set amounts can be allocated to one or several accounts. This is a convenient way to save or make monthly payments to a loan.

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Money Orders

Money orders provide a safe way to make payments or move larger amounts of cash for those who do not have share draft accounts. You can purchase money orders for up to $1,000. The cost of a money order is $2.00 ($1.00 for Gold Members).




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Cashier's Checks

A cashier's check is issued for any amount guaranteed by the credit union. The cost of a Cashier's Check is $2.00.

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FREE Notary Services

Notary services are available at our Harper St. and Evans branches to certify signatures and other documents.

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Stamps
Stamp

Don't wait in line at the Post Office, come to the Credit Union for stamps, no surcharge.





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Online Services

Online Banking
Manage your account any where, any time you want with Online Banking. It's free to all members!

  • Account information available 24/7
  • Check balances
  • Allows transfers
  • Check Inquires
  • Copies of cleared drafts/checks
  • Account History
  • Find Year to Date information

Bill Pay
Pay all your bills in just a matter of minutes with Bill Pay!!

Schedule repeat payments, or make a one-time payment from your checking account. With Bill Pay, you can pay as many bills as you like with no monthly fees.

  • Pay a single bill to an individual or company
  • Pay recurring bills that never vary in amount without having to even sign on to your computer. Schedule your payment for a specific date monthly - biweekly - semi monthly or quarterly for up to a year in advance.
  • View your payment history

e-Statements
Save time and money with e-Statements!

  • Enjoy convenient access to your statement directly from your home computer. No more waiting for it to come in the mail.
  • Cut down on the clutter of paper statements taking up room in the file cabinet or on the counter.
  • Save money! e-Statements are FREE, and avoid the $2.00 paper-statement fee.

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Saturday Banking

Our Evans office location, 4339 Washington Road, is open Saturdays from 9:00 AM - 1:00 PM.

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24 Hour Night Depository

Our 24 Hour Night Depository allows you to make after hours deposits at the following locations:

  • Main Office (Harper Street)
  • Evans (Washington Road)

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PAL Voice Response

Please see below for a convenient list of phone numbers to assist you with your banking needs 24 hours a day.

  • To access your account information and process transactions.
    Local: 706-434-0092
    Long Distance 1-877-369-HCCU (4228)

  • VISA Customer Service
    1-866-422-8616 or
    click here for online access

  • Lost Visa Card 1-866-422-8616

  • Lost Visa Debit/Check Card 1-800-472-3272

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Pay The Easy Way
Debit Card

Pay The Easy Way with your Visa Check Card and the "Credit" option!

Pay the easy way at many grocery stores, gas stations, convenience stores and discount stores. No more running out of checks, showing identification and wasting time writing your checks.

Your Visa® Check Card looks like a credit card and acts like a check. With one swipe of your card, your money will be automatically deducted from your HCCU checking account.

The Best Way To Pay the Easy Way
Even though you're not using a credit card, press "credit" when making purchases! Here's why:

  • Funds are still deducted from your checking account.
  • You won't have to enter your PIN in public.
  • Charge-back protection with "credit" makes it easier to get refunds on previously purchased items.
  • You'll receive maximum purchase protection against fraud.

It's safe, convenient, quick and easy! What could be better? Call the credit union today to sign up for your free Visa Check Card today!

Only use "Debit" if you need cash back at the register. Most merchants set up their machines to ask for your PIN. Simply press cancel or follow the instructions on the machine to process the item as a "Credit" transaction. A fee will be charged of .50 for each transaction processed as a PIN "Debit" transaction at the merchant. This fee does not apply to ATM withdrawals.

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Passwords & Personal Identification Numbers (PIN)

*Important Reminder - While Health Center Credit Union takes great care to protect each member's personal information and keep it secure, each member is responsible for securing his or her Credit Union information on their personal computer.

  • Choose passwords that are easy to remember
  • Change passwords periodically.
  • Never share your password or PIN.
  • Credit Union employees do not need to know a member's password or PIN to provide assistance.
  • Turn off your computer's auto-complete and password auto-save features to prevent someone else's instant access to personal information.

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