Free Checking ... means free checking!

There has been a lot of recent press about other financial institutions beginning to charge monthly fees on checking accounts and debit cards. At HAPO, free checking...means free checking. HAPO has absolutely no plans to make changes to the HAPO Debit Card or to our free checking accounts.

Checking | Savings | Certificate | Money Market | IRAs

Our approach to checking accounts is that they should make life easy. Checking at HAPO is Free and Easy! Our Free Checking Account is simple, and simple is good! You simply get free checking, with free checks*! You also receive these services free:

1. 24 hour hotline
2. eTeller
3. Direct Deposit
4. Bill Payer *
5. eStatements
6. VISA Debit Card

Click here for details on our Convenience Services.

Overdraft Protection: Are You Covered?

There is NO minimum balance, and NO monthly fee.

*Free Checking Account includes one box per month of free checks. Checks must be the default design. Bill Payer service will be canceled if not used for six months.