Share Draft (Checking)
Accounts only available to credit union members
NO monthly service charge, per item fees, minimum balance
Monthly statement provided
Senior Account
One box of checks free per year (Age 65 & over)
Free credit union checks
Smart Saver Debit Card Round-Up
With Smart Saver, every purchase you make with your Haynes Community FCU debit card is rounded up to the nearest dollar. The rounded up difference is then deposited into a Haynes Community FCU savings account of your choice. (Sorry, no certificate accounts or IRAs.) Every time you swipe your debit card, you’ll be saving money – it’s truly that easy. That’s not all; there is no fee for enrolling in this convenient service!
Example
| Purchase Amount | Rounded Up To | Transferred to Savings |
|---|---|---|
| $1.99 | $2.00 | $0.01 |
| $3.03 | $4.00 | $0.97 |
| $28.00 | No rounding | $0.00 |
Total Savings $0.98
Smart Saver works on any PIN or signature-based debit card transaction from a Haynes Community FCU checking account. It does not work on ATM withdrawals or cash-back debit purchases if you overdraw your account or if your transaction is being covered by an overdraft protection program. In cases where a rounded-up transaction is reversed, the portion that was deposited to your savings account will not reverse.
Signing up is easy!
Stop by our branch and tell us you want to opt-in Smart Saver or complete and sign the Smart Saver Opt-In Terms & Conditions, mail it to our office, or email it to us at memberservices@haynesfcu.org.
Once you are set up, just watch your savings grow without even thinking about it!
SwitchKit
Chip Debit Cards (EMV)
Your new card has the latest in secure chip technology.
All Haynes FCU credit and debit cards will now include EMV chip technology, which provides enhanced security and global acceptance. The new card you’ll be receiving looks a little different than the one you currently are using. You’ll notice a small “chip” embedded in the plastic. Old cards that don’t have the chip use a magnetic strip on the back to permanently store your financial information, making it an easy target for data thieves.
EMV Card FAQs
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Once you have activated your new EMV chip card, please destroy your existing card, as it will still be active for a short period of time and is a security risk.
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Yes. It’s slightly different. You’ll insert your EMV card in a POS (Point of Sale) terminal, wait for it to be authorized, and remove it. You’ll either sign or key in your PIN to complete the transaction.
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For debit card purchases, you can either use your PIN or signature. Your PIN will be required for cash back on debit card transactions. For credit purchases, no PIN is required, but you may be prompted for a signature.
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For your convenience, both your card number and PIN will stay the same. Your card will have a new expiration date and CVV, so be sure to update your information on those accounts with recurring payments.
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Yes. You can count on the same level of benefits you always have.