Sometimes simple is better. Hawaii State FCU Simple Checking is cost effective and easy to use for members looking for a basic 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 and anyone in your household through CyberScout®
Free Debit Card
Each one features EMV chip technology and mobile card controls.
Unlimited Surcharge-Free ATM Withdrawals
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.
Get a free box every year.
Unlimited Check Writing
Never worry about paying per-check fees.
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 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.
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?
Understand Your Checking Options
Explore common checking account features and how they can work for you in this interactive eLearning module. Plus, compare common payment methods such as electronic checks, credit cards and debit cards.
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.
Calculators to help you save and spend smart
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 11/1/2019, 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 11/1/2019. 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.