Dividend Checking

Open an account
Happy father and son.

Make your money work for you. Hawaii State FCU Dividend Checking is specifically designed for members who want to earn a return on their hard-earned money.

Skip the $5 Monthly Service Fee

With a minimum average daily balance of $1,000 or at least 20 debit card purchases per month.

Earn Dividends1

On your daily balance.

Free ID Theft Assistance

Available to you and anyone in your household through CyberScout®

Free Debit Card

Each one features EMV chip technology and mobile card controls.

Unlimited Surcharge-Free ATM Withdrawals

At all Hawaii State FCU and Bank of Hawaii ATMs.

Free Online Banking & Bill Pay

Comes with free unlimited Bill Pay, Mobile App and Mobile Check Deposit.

Free Checks

Get a free box every year.

Unlimited Check Writing

Never worry about paying per-check fees.

Ready to open your Dividend Checking account?

Start your online application

Open an Account

Stop by one of our branches

Find a nearby location

New Member Promo

Open a Savings and Checking account with Direct Deposit or a Visa® Debit Card and receive $50!2

Learn More
New Member Promo - Image of a $50 Dollar Bill

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 Card
Graphic supporting custom debit cards for Hawaii State FCU members.

All-in-One Debit Card

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


  • 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


  • 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 Debit Card Controls in the HSFCU Mobile App to turn your debit card on/off and set transaction alerts.

Purchase Rewards

Overdraft Protection

Avoid overdrawing your checking account, or the embarrassment and unnecessary fees of returned checks.

Overdraft Protection provides automatic coverage in the event you accidentally write a check and don’t have the funds to cover it. Funds are transferred in multiples of $100 from your share account or line of credit to your checking account.

Direct Deposit

Direct Deposit is the free, safe and easy way to automatically deposit your paycheck into your Hawaii State FCU checking or savings account. Benefits of Direct Deposit include:

To enroll in Hawaii State FCU’s Direct Deposit program through your employer, download this form and return it to your payroll office. Or, contact your employer’s payroll or personnel office to find out if Direct Deposit is available, and provide them with Hawaii State FCU Routing Number: 321379041.

Check Reorders

Out of checks? No problem. Simply order another box of checks here. You will need to provide your account number and the Hawaii State FCU Routing Number: 321379041

Min. Opening Deposit

Min. Daily Balance to Earn APY


Min. Opening Deposit

$50 or $5 with Direct Deposit

Min. Daily Balance to Earn APY




Need a little extra help managing your finances?

Understand Your Checking Options

Explore common checking account features and how they can work for you in this interactive eLearning module. Plus, compare common payment methods such as electronic checks, credit cards and debit cards.

Start this Online Course >>

Get Help Managing Your Money

We’ve partnered with Money Management International, the largest nonprofit, full-service credit counseling agency in the United States, to bring you free financial counseling and debt management.

Visit Money Management >>

Calculators to Help You Save and Spend Smart

Ready to open your Dividend Checking account?

Start your online application

Open an Account

Stop by one of our branches

Find a nearby location

1 Please see our Consumer Truth-in-Savings Non-Term Disclosure for more information

2 Ten (10) posted net purchase transactions with a HSFCU debit card within 30 days of checking account opening are required to qualify. Or open a new checking account with a direct deposit within 60 days of account opening. Annual percentage yields as of 10/1/2019, are as follows: Regular Savings: 0.10%, Simple Checking: 0.00%, Dividend Checking: 0.05%, Relationship Checking: 0.05% for balances up to $9,999.99, 0.05% for balances $10,000 to $24,999.99, 0.10% for balances $25,000 to $49,999.99 and 0.15% for balances $50,000+. Payment will be made to the savings account within 90 days after meeting conditions. APYs are accurate as of 10/1/2019. APYs and offer may change at any time. Offer applies to new members only. Limit of one per member. Payment subject to 1099 reporting requirements.

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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. 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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