Checking Accounts

Open an account
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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 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

  • 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

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 ID Theft Assistance

    Checkmark

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

    Checkmark

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

    Checkmark

  • 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

    Checkmark

  • Unlimited Check Writing

  • 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 ID Theft Assistance

    Checkmark

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

    Checkmark

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

    Checkmark

  • 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

    Checkmark

  • Unlimited Check Writing

    Checkmark

  • 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

    Checkmark

  • Free ID Theft Assistance

    Checkmark

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

    Checkmark

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

    Checkmark

  • 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

    Checkmark

  • Unlimited Check Writing

    Checkmark

  • 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

    Checkmark

  • Free ID Theft Assistance

    Checkmark

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

    Checkmark

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

    Checkmark

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

    Checkmark

  • Up to 1% cash back on debit card purchases3

    Checkmark

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

    Checkmark

  • Unlimited Check Writing

    Checkmark

  • 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*

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***

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.

Free ID Theft Assistance

Keep your personal information and accounts safe with the help of ID Theft Assistance through Cyberscout®, a Sontiq brand. It’s a FREE service with all Hawaii State FCU consumer checking accounts.

If you experience fraud or identity theft, get unlimited access to resolution assistance from fraud investigators who guide you until your identity is restored. Learn more about protecting yourself online or call toll-free 1 (844) 228-8970.

Cyberscout, a Sontiq Brand logo

Get Financially Healthy with Hawaii State FCU's Wallet Wisdom

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

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

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Financial Counseling

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

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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?

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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.

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members, for enrollment in Hawaii State FCU financial education webinars, or other purposes. Please review the terms and conditions of use carefully. 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, products, or contents. External websites are not under our control and may have different security, privacy and other. Using the links may identify you as a Hawaii State FCU member to the external website operator.  Services and products from third parties are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund.  Alternative services and products may be obtained from other providers of your choice.

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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