Relationship Checking

A couple sitting on a couch together looking at documents together

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

Earn Dividends

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 Surcharge-Free ATM Withdrawals Available

At all Hawaii State FCU and Bank of Hawaii ATMs.

Free Debit Card

Each one features contactless EMV chip technology, mobile card controls and transaction alerts.

Free Digital 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.

Ready to open your Relationship Checking account?

Schedule an appointment online at one of our branches.

Relationship Package

Get the most value for your membership when you combine a Relationship Checking and a Relationship MAXSM* account. Maximize the power of both your loans and deposits and start to earn more for your money. Learn more.

Get More Out of Your Savings!

Start earning more! Open a Relationship MAX* and take advantage of our highest yield account.

Visit a Branch  |  Schedule an Appointment


Min. Opening Deposit

Min. Daily Balance to Earn APY**



$0 - $9,999.99

Min. Opening Deposit


Min. Daily Balance to Earn APY**





$10,000 - $24,999.99

Min. Opening Deposit


Min. Daily Balance to Earn APY**





$25,000 - $49,999.99

Min. Opening Deposit


Min. Daily Balance to Earn APY**





$50,000 and above

Min. Opening Deposit


Min. Daily Balance to Earn APY**




New Member Promo

Open a Savings and Checking account with Direct Deposit or a Visa® Debit Card and receive $50!3

New Member Promo - Image of a $50 Dollar Bill - Get $50 when you open a savings, checking, and debit card

All-in-One Debit Card

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


  • 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 (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 Savings account or line of credit. Call or visit a branch to enroll in Overdraft Protection.

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 started >>

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.

Get the help you need >>

Explore Our Other Checking Accounts

No matter if you’re looking for a dividend checking account or a shared checking account, Hawaii State FCU has you covered.

Ready to open your Relationship Checking account?

Schedule an appointment at one of our branches.

Schedule an appointment

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.

* The Relationship MAX Annual Percentage Yield (APY) on daily balances of $100,000 or more is 2.00%. For daily balances from $0 to under $50,000, the APY is 0.05%; for daily balances between $50,000 to under $100,000, the APY is 1.00%. 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 0.05% for all balances. Contact us to help determine which account may be best for you. APYs are current as of 6/30/2024, and may change at any time. Minimum to open a Relationship MAX account is $2,500. Relationship Checking is required for Relationship MAX, and it requires a minimum $2,500 to open. Certain terms and conditions apply. Fees may reduce earnings. Available to Hawaii residents only. Credit union membership is required. Contact us for eligibility.

See Consumer Truth-in-Savings Non-Term Disclosure for more information.

3. 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 6/30/2024, 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

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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