Homeowners Mortgage Enterprises, Inc.

We have 6 checking options - Which is right for you?

We'll give you five good reasons to choose a Checking Account from Upstate Federal Credit Union:  Basic Checking, Checking Plus, Fresh Start Checking, Freedom 55 and Money Market, Premium Checking.  With so many options, we're sure we have the right Checking Account for you.  Take a closer look and you'll see no matter which one you choose, you'll enjoy convenience, flexibility and value.

To open a checking account, please visit one of our offices.  Or, Print out an application to open an account online.  Please note that in order to take advantage of our Checking options, you must open and maintain an Upstate FCU Savings account.  A $25 deposit establishes your membership and entitles you to use all of our services.  Anyone who lives, works, worships or attends school in Anderson or Abbeville Counties is welcome to join our credit union.

All Checking Accounts Feature the Following Value-Added Services:

  • Free Overdraft Protection
  • Free Telephone Teller
  • Free Direct Deposit
  • Free Payroll Deduction
  • Unlimited Check Writing*
  • No Per-Check Charges
  • Online Check Reorder
  • Same-Day Deposit Credit
* Dividends are paid on the Checking Plus, The Freedom 55 and the Money Market Accounts. Other checking accounts do not pay dividends.

* Our higher-yielding Money Market account allows 6 withdrawals per month, 3 of which may be third party.

Basic Checking

  • No minimum balance & no maintenance fee
  • Free checks with payroll deduction
  • Free Visa debit card

Checking Plus

  • Dividend rate of 0.10 with an APY (Annual Percentage Yield of 0.10) No minimum amount to open Maintain $100 balance to avoid a $5 monthly fee Free checks with payroll deduction Dividends paid on tier structure Free Visa debit card

Fresh Start Checking

  • $100 minimum opening balance
  • Maintain $100 balance to avoid a $5 monthly fee
  • ATM card only

Freedom 55

  • Dividend rate of 0.10 with an APY (Annual Percentage Yield of 0.10) Age 55 or better to open No minimum balance and no maintenance fee Free checks and dividends paid on tier structure Free Visa debit card

Money Market

  • No minimum opening balance
  • Maintain $1000 balance to avoid a monthly $5 fee
  • Free checks and dividends paid on tier structure
  • Free Visa debit card

Premium Checking Account

  • Earn a higher rate of dividends for maintaining a a $10,000.00 minimum balance
  • Dividends are paid on a tier structure
  • Unlimited check and debit card transactions
  • Free checks and Visa Debit Card
  • Free On-line Banking and Bill Pay
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Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration, A U.S. Government Agency
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration, A U.S. Government Agency
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
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