State of Hawaii employees: For Direct Deposit info for the State of Hawaii’s new payroll system, click here.

Relationship Checking

Happy family of three.

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 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.

Relationship Max Share

For larger balances, maximize your earning power with our highest yield savings account⁴. Relationship Max Share rewards members with higher dividends, making this one of the best savings accounts in town. Designed to complement our Relationship Checking, saving money has never been more rewarding.

LEARN MORE
Relationship Max Share as high as 0.75% APY


New Member Promo

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

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.

Convenience

  • 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 Google 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

Security

  • 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 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

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***

0.05%

Balance

$10,000 - $24,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$10,000

APY***

0.05%

Balance

$25,000 - $49,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$25,000

APY***

0.10%

Balance

$50,000 and above

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$50,000

APY***

0.15%

Need a little extra help managing your finances?

Get to Know Your Current Credit Score

There are a lot of factors that go into your credit score, but the bottom line is that number can dramatically affect your ability to get a loan and how much you’ll pay for it. Learn all about how your credit is scored and ways to improve yours with a short eLearning video.

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 >>

Ready to open your Relationship Checking account?

Disclosures

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. 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 12/1/2018, 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 12/1/2018. 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.

4. Relationship Checking is required. Minimum opening deposit of $2,500 is required. See Consumer Truth in Saving Non-Term Disclosure for more information.

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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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