Get rewarded for your deposit and loan relationships with us. Earn a regular dividend on your Relationship Checking balance plus receive an additional Relationship Bonus if you have a qualifying loan balance.
Monthly Service Fee Waived
With a combined deposit and loan balance of $25,000 (excluding mortgages).1
On your average daily balance. Plus, earn an additional Relationship Bonus with qualifying deposit & loan balances.2
1% Debit Cash Back
Earn up to 1% cash back on qualifying debit card purchases.2
ATM Fee Rebates
For domestic third party ATMs, up to $5 per transaction ($20 max per statement period).
Unlimited ATM Withdrawals
Surcharge-free withdrawals at all Hawaii State FCU and Bank of Hawaii ATMs.
Free ID Theft Assistance
Available to you and anyone in your household through CyberScout®
Free Debit Card
Each one is packed with EMV chip technology and mobile card controls.
Free Online Banking & Bill Pay
Comes with free unlimited Bill Pay, Mobile App and Mobile Check Deposit.
Unlimited Check Writing
Never worry about per-check fees and get a free box of checks every year.
1. 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.
2. Please see our Consumer Truth-in-Savings Non-Term Disclosure for more information regarding the Relationship Bonus and Relationship Checking Debit Card Cash Back.
3. The Relationship Max Annual Percentage Yield (APY) on daily balances of $50,000 or more is 1.50%. For daily balances between $0 and $24,999, the APY is 0.05%; for daily balances between $25,000 and $49,999, the APY is 0.10%. When a particular daily balance range is met, the rate will apply to the full balance in the account. Other accounts and terms are available. For example, our Regular Share account has an APY of 0.25% for all balances. Contact us to help determine which account may be best for you. APYs are current as of 11/1/2019 and may change at any time. Relationship Checking is required for Relationship Max. Minimum to open a Relationship Max account is $2,500. Certain terms and conditions apply. Must be a Hawaii resident. Membership in the Credit Union is required.
4. 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 January 1, 2019, are as follows: Regular Savings: 0.25%, Simple Checking: 0.00%, Dividend Checking: 0.10%, Relationship Checking: 0.10% for balances up to $9,999.99, 0.10% for balances $10,000 to $24,999.99, 0.15% for balances $25,000 to $49,999.99 and 0.20% for balances $50,000+.
Payment will be made to the savings account within 90 days after meeting conditions. APYs are accurate as of January 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.
See Consumer Truth-in-Savings Non-Term Disclosure for more information.