Checks you can purchase that don’t require a Checking Account
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Overview
Official Checks
Official Checks are perfect when you need to guarantee funds immediately. They are often used for large purchases, such as buying a car or making a deposit on your next apartment, but unlike cash, you can stop payment if your check gets lost or stolen.
Official Checks are sometimes referred to as cashier's checks, treasurer's checks or bank checks. Unlike personal checks, you don’t need a checking account and you pay the face value up front. Once purchased, Official Checks are secured by HFS, thereby assuring the payee immediate access to their money.
- One Official Check per day free of charge
- $1.00 for each additional check
- No Checking Account required
- Stop payment if check is lost
Money Orders
A Money Order is a form of prepaid payment that is used to pay or send money to people as a potentially safer alternative to cash or checks. Funds are guaranteed and a stop payment can be issued, if necessary. They are the perfect alternative to checks in situations where either checks are not accepted or you don’t have access to checks or a checking account. You can purchase a Money Order for any amount up to $1,000 for a nominal $1.00 fee.
- Guaranteed and widely accepted
- Refundable
- Easy to cash
Gift Checks
American Express Gift Checks are prepaid checks that you can give as gifts. Recipients use the checks for purchases as an alternative to cash.
If you want a gift that everybody will love, give them an American Express Gift Check. It’s like giving them cash or a gift card to anywhere that accepts American Express, but classier, and can be replaced if lost. You can buy gift checks in $25, $50, and $100 amounts at any HFS branch.
- No expiration date
- Placed in an elegant gold envelope
- Replaceable if lost or stolen, usually within 24 hours
- Nominal fee of $1.25 per check
Travelers Checks
Travelers Checks are a safe alternative to carrying cash. You get the convenience of carrying your money but unlike cash, you can replace it if it gets lost or stolen. American Express Travelers Checks are accepted worldwide and are free for HFS members.
Travelers Checks for Two are available for travel companions who use the same set of checks for a fee of ½% of the checks value.
Additional Info
Visit any HFS FCU branch location to purchase a Gift Check, Official Check, Money Order, or Traveler’s Check or request it over the phone.
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Rates & Fees
Rates Effective as of: 10-03-2023
Checks
Check Type Fee Official Checks One free check per day for members. $1.00 for each additional check Gift Checks $1.25 per check Money Order $1.00 each Travelers Checks No-charge for members Travelers Checks for Two ½% of the check’s value Stop Payment $25.00 per item Effective Date: August 3, 2016
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Questions?
Drop us a message anytime with your questions about checks.