Checking Accounts

Life is busy enough without worrying about your checking account. Hawaii State FCU checking account options help you achieve financial happiness with the ability to waive 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 Visa® Debit Card with EMV Chip and mobile card controls

Free Visa® Debit Card with EMV Chip and mobile card controls
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, Mobile App, and Mobile Check Deposit

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

Unlimited Check Writing and Bill Pay

HiFlex

Best if you want:

A flexible account with no overdraft fees.¹
No monthly service fees

Avoid the $5 monthly service fee with eStatements or direct deposit.
Earns dividends
Free Visa® Debit Card with EMV Chip and mobile card controls
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, Mobile App, and Mobile Check Deposit
Unlimited Check Writing and Bill Pay
HiFlex Learn More

Simple
Checking

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 Visa® Debit Card with EMV Chip and mobile card controls
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, Mobile App, and Mobile Check Deposit
Unlimited Check Writing and Bill Pay
Simple Checking Learn More

Dividend Checking

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 Visa® Debit Card with EMV Chip and mobile card controls
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, Mobile App, and Mobile Check Deposit
Unlimited Check Writing and Bill Pay
Dividend Checking Learn More

Relationship Checking

Best if you want:

An account that rewards you for your deposit 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 Visa® Debit Card with EMV Chip and mobile card controls
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, Mobile App, and Mobile Check Deposit
Unlimited Check Writing and Bill Pay
Relationship Checking Learn More

Ready to open a checking account and need more assistance?

Schedule an appointment online at one of our branches.

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.

Min. Opening Deposit	Min. Daily Balance to Earn APY	APY^*
^* The Annual Percentage Yield (APY) may change after the account is opened. APYs are as of 11/30/2024, and may change at any time without notice. Fees may reduce earnings. See Consumer Truth-in-Savings Non-Term Disclosure for more information.
Min. Opening Deposit $50 or $5 with Direct Deposit	Min. Daily Balance to Earn APY None	APY^* 0.02%

Balance	Min. Opening Deposit	Min. Daily Balance to Earn APY^**	APY^***
^* An additional Relationship Bonus may also apply. Please see our Consumer Truth-in-Savings Non-Term Disclosure for more information regarding the Relationship Bonus. ^ The Investment Share Account, Relationship MAX^SM Share and the Relationship Checking Account are tiered rate accounts. To determine the APY that will apply to your account, refer to the appropriate tier that applies to your account average daily balance for the month. When a particular average daily balance range is met, the APY will apply to the full balance in that account. ^* The Annual Percentage Yield (APY) may change after the account is opened. APYs are as of 11/30/2024, and may change at any time without notice. Fees may reduce earnings.
Balance $0 - $9,999.99	Min. Opening Deposit $2,500	Min. Daily Balance to Earn APY^** None	APY^*** 0.02%
Balance $10,000 - $24,999.99	Min. Opening Deposit $2,500	Min. Daily Balance to Earn APY^** $10,000	APY^*** 0.02%
Balance $25,000 - $49,999.99	Min. Opening Deposit $2,500	Min. Daily Balance to Earn APY^** $25,000	APY^*** 0.02%
Balance $50,000 and above	Min. Opening Deposit $2,500	Min. Daily Balance to Earn APY^** $50,000	APY^*** 0.03%

All-in-One Debit Card

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

Convenience

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

Easy ATM Access

Withdraw from more than 1,000 ATMs in Hawaii, and more than 100,000 worldwide displaying the Plus, Pulse or Visa. Click here to locate an ATM near you.
Free withdrawals at Bank of Hawaii ATMs throughout Hawaii.

Enhanced Debit Card Security

Enjoy peace of mind protection with contactless EMV chip security to protect your identity.
Shop with greater confidence and safety against unauthorized transactions with Visa^® zero-liability protection and Visa^®Secure for enhanced online security.
Eliminate sharing of personal information often required when using personal checks.
Use your mobile wallet (Apply Pay, Samsung Pay or Google Pay) to take advantage of card number tokenization – the safest way to pay.

Identity Theft Recovery Checklist

If you become a victim of identity theft, this step-by-step guide will help you through the reporting and recovery process.

view the checklist

Get Financially Healthy with Hawaii State FCU's 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 online courses 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

Ready to open a checking account?

Not yet a member?

Join the Credit Union

Schedule an appointment at one of our branches.

Schedule an Appointment

(808) 587-2700
1 (888) 586-1056
memberservices@hsfcu.com

Disclosures

1. Please see our Consumer Truth-in-Savings Non-Term Disclosure for more information. Overdraft Payment Services, Overdraft Protection Program (Transfers) and check writing are not available for HiFlex accounts.

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 Consumer Truth-in-Savings Non-Term Disclosure for more information regarding the Relationship Bonus and Relationship Checking Debit Card Cash Back.