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Checking Accounts

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Life is busy enough without worrying about your checking account. Hawaii State FCU checking options help you achieve financial happiness with no monthly fees when you meet some simple qualifications.

  • Best if you want:

    Best if you want:

  • No monthly service fees

    No monthly service fees

  • Earns dividends

    Earns dividends

  • Free ID Theft Assistance

    Free ID Theft Assistance

  • Free Visa® Debit Card with EMV Chip and mobile card controls

    Free Visa® Debit Card with EMV Chip and mobile card controls

  • Earn Debit Rewards in Online Banking

    Earn Debit Rewards in Online Banking

  • Free unlimited ATM withdrawals at all Hawaii State FCU and Bank of Hawaii ATMs

    Free unlimited ATM withdrawals at all Hawaii State FCU and Bank of Hawaii ATMs

  • Rebate for domestic third party ATM surcharge fees, up to $5 per transaction and $20 per statement period

    Rebate for domestic third party ATM surcharge fees, up to $5 per transaction and $20 per statement period

  • Up to 1% cash back on debit card purchases3

    Up to 1% cash back on debit card purchases3

  • Free Online Banking, Bill Pay, Mobile App, and Mobile Check Deposit

    Free Online Banking, Bill Pay, Mobile App, and Mobile Check Deposit

  • Unlimited Check Writing

    Unlimited Check Writing

  • Best if you want:

    An easy-to-use and simple-to-manage checking account.1

  • No monthly service fees

    Avoid the $5 monthly service fee with eStatements, direct deposit, or if you are age 55+.

  • Earns dividends

  • Free ID Theft Assistance

  • Free Visa® Debit Card with EMV Chip and mobile card controls

  • Earn Debit Rewards in Online Banking

  • Free unlimited ATM withdrawals at all Hawaii State FCU and Bank of Hawaii ATMs

  • Rebate for domestic third party ATM surcharge fees, up to $5 per transaction and $20 per statement period

  • Up to 1% cash back on debit card purchases3

  • Free Online Banking, Bill Pay, Mobile App, and Mobile Check Deposit

  • Unlimited Check Writing

  • Simple Checking Learn More

  • Best if you want:

    An account that earns dividends.1

  • No monthly service fees

    Avoid the $5 monthly service fee with at least 20 debit card purchases a month or a minimum average daily balance of $1,000.

  • Earns dividends

  • Free ID Theft Assistance

  • Free Visa® Debit Card with EMV Chip and mobile card controls

  • Earn Debit Rewards in Online Banking

  • Free unlimited ATM withdrawals at all Hawaii State FCU and Bank of Hawaii ATMs

  • Rebate for domestic third party ATM surcharge fees, up to $5 per transaction and $20 per statement period

  • Up to 1% cash back on debit card purchases3

  • Free Online Banking, Bill Pay, Mobile App, and Mobile Check Deposit

  • Unlimited Check Writing

  • Dividend Checking Learn More

  • Best if you want:

    An account that rewards you for your savings and loan balances with us.1

  • No monthly service fees

    Avoid the $20 monthly service fee with combined deposit and loan balances totaling $25,000 (excluding mortgages).2

  • Earns dividends

  • Free ID Theft Assistance

  • Free Visa® Debit Card with EMV Chip and mobile card controls

  • Earn Debit Rewards in Online Banking

  • Free unlimited ATM withdrawals at all Hawaii State FCU and Bank of Hawaii ATMs

  • Rebate for domestic third party ATM surcharge fees, up to $5 per transaction and $20 per statement period

  • Up to 1% cash back on debit card purchases3

  • Free Online Banking, Bill Pay, Mobile App, and Mobile Check Deposit

  • Unlimited Check Writing

  • Relationship Checking Learn More

Customize Your Debit Card

Show off your favorite photo every time you use your Hawaii State FCU Visa® Debit Card. Simply add an image and share your unique personality.

Customize Your Debit Card
Graphic supporting custom debit cards for Hawaii State FCU members.
Member Testimonial

I have checking, savings, auto and personal loans through Hawaii State FCU and I’ve been happy with all of my services. The service is quick and I don’t have to stand in line for too long. No matter what teller I go to, they are always very friendly.

Misty M.

All-in-One Debit Card

Our Visa® Debit Card with ATM access is accepted at millions of locations.

Convenience

  • No fees or service charges when making purchases (provided sufficient available funds are in your checking account).
  • View your transactions at any time via Online Banking or Hawaii State FCU Mobile App.
  • Pay where Apple Pay, Samsung Pay and Android Pay are accepted.

Easy ATM Access

  • Withdraw from more than 1,000 ATMs in Hawaii, and more than 100,000 worldwide displaying the logos found on the back of your card. Click here to locate an ATM near you.
  • Free withdrawals at Bank of Hawaii ATMs throughout Hawaii.

Enhanced Debit Card Security & Earn Purchase Rewards

Security

  • Enjoy peace of mind protection with EMV chip security to protect your identity.
  • Shop with greater confidence and safety against unauthorized transactions with Visa® zero-liability protection and Verified by Visa®for enhanced online security.
  • Eliminate sharing of personal information often required when using personal checks.
  • Use the MobiMoney App to turn your debit card on/off and set transaction alerts.

Purchase Rewards

Expand your Wallet Wisdom

Learn to manage, save, invest, borrow and spend wisely, now and in the future.

Free 1-Hour Seminars

Like any strong family, we support each other and share what we know. Join us for a free educational seminar.

Online Learning

Find financial peace of mind with interactive eLearning modules that cover everything, from identity theft to building a budget.

Financial Counseling

Free, confidential counseling is available for you and your immediate family.

Money Advice

Follow the Hawaii State FCU Wallet Wisdom blog. Learn tips and tricks to manage your money to improve your financial well-being.

Improve Your Financial Success

Not yet a member? Experience the Hawaii State FCU difference.

Disclosures

1 Please see our Truth-in-Savings Disclosure for more information.

2 The monthly service fee for the Relationship Checking Account is not charged if the primary member has a $25,000 combined balance at the Credit Union. The combined balance is calculated by adding the primary member’s average daily balances during the month for all consumer savings, checking and term share accounts, and the balances at the end of the month for all consumer loans, lines-of-credit, home equity lines of credit (HELOCs) and credit cards in good standing. Accounts must remain open at the end of the month to be included. Mortgages, business accounts and business loans are excluded. The Credit Union may determine the credit card balance on a date prior to the end of the month. Please see our Truth-in-Savings Disclosure for more information regarding the Relationship Checking Account Monthly Service Fee.

3 Please see our Truth-in-Savings Disclosure for more information regarding the Relationship Bonus and Relationship Checking Debit Card Cash Back.

 

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We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

Please remember to log off of Online Banking and Mobile Banking before going to any external website

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