Dividend Checking
Open an account
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 Debit Card
Each one features contactless EMV chip technology, mobile card controls and transaction alerts.
Unlimited Surcharge-Free ATM Withdrawals Available
At all Hawaii State FCU and Bank of Hawaii ATMs.
Free Digital 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.
Need more assistance in opening your Dividend Checking account?
Schedule an appointment online at one of our branches.
|
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% |
New Member Promo
Open a Savings and Checking account with Direct Deposit or a Visa® Debit Card and receive $50!2
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 Android 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 (Apple Pay, Samsung Pay or Google Pay) to take advantage of card number tokenization – the safest way to pay.
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
Need a little extra help managing your finances?
Online Courses
Discover money management tips, learn new financial skills and more. Check out our wide range of free, short interactive online tutorials. Register for a free account, sign in and start learning.
Get Help Managing Your Money
Hawaii State FCU is collaborating with GreenPath Financial Wellness to offer you free individualized counseling, guidance, and the resources to be financially healthy.
Calculators to Help You Save and Spend Smart
Explore Our Other Checking Accounts
Ready to open your Dividend Checking account?
Start your online application
Schedule an appointment at one of our branches.
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 11/30/2024, are as follows: Regular Savings: 0.05%, Simple Checking: 0.00%, Dividend Checking: 0.02%, Relationship Checking: 0.02% for balances up to $9,999.99, 0.02% for balances $10,000 to $24,999.99, 0.02% for balances $25,000 to $49,999.99 and 0.03% for balances $50,000+.
Payment will be made to the savings account within 90 days after meeting conditions. APYs and offer may change at any time. Offer applies to primary new members only, with a limit of one per member. Payment is subject to IRS reporting requirements. Offer and new accounts are open to Hawaii residents only. Visit a branch or contact us for more information.
Federally insured by NCUA