All Hawaii State FCU branches will be closed on Monday, July 4, 2022 for Independence Day. View normal branch hours.

HAWAII STATE FCU’s NEW DIGITAL BANKING IS NOW LIVE! Learn more about our Digital Banking upgrade.

Simple Checking

Open an account
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Sometimes simple is better. Hawaii State FCU Simple Checking is cost effective and easy to use for members looking for a basic credit union checking account.1


No Monthly Service Fee

When you add eStatements or direct deposit. You can also avoid the $5 monthly service fee if you’re age 55 and up.

Free ID Theft Assistance

Available to you through CyberScout.® If you experience fraud or identity theft, call toll-free 1 (844) 228-8970.

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 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.


Need more assistance in opening your Simple Checking account?

Schedule an appointment online at one of our branches.

New Member and Referral Giveaway!2

52 weeks, 52 winners! New and referring members will be entered into our weekly drawing.

Learn More
5252 Promotion, win a staycation at a certain magical resort in Ko Olina.

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 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.

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 wants to help equip you with the resources and education you need for a lifetime of financial wellness. Check out GreenPath Financial Wellness and Money Management International for financial counseling and debt management assistance.

Get the help you need >>


Calculators to help you save and spend smart

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 Simple Checking account?

Start your online application

Open an Account

Schedule an appointment at one of our branches.

Schedule an Appointment
Disclosures

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

2. Must be 18 years or older and a resident of the State of Hawaii to be eligible to win. No purchase or payment is necessary. See official rules and more information. Prizes will vary per quarter and will be awarded in a random drawing from all eligible entries. The third-quarter prize consists of a $750 Disney Gift Card which may be used for a one-night, off-peak stay in a standard hotel room with a standard view. Disney is not affiliated with this promotion.

Ten (10) posted net purchase transactions with an 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 July 1, 2022, are as follows: Regular Savings: 0.03%, 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 offers may change at any time. The offer applies to 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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