Account Disclosures & Info

Consumer Accounts

Consumer Disclosures & Agreements Booklet

• Consumer Membership and Account Agreement
• Arbitration Agreement (Addendum to the Membership and Account Agreement)
• Consumer Electronic Fund Transfers Agreement and Disclosure
• Funds Availability Policy
• Overdraft Disclosure
• Notice Regarding VISA® and Non-VISA® Pinless Debit Transactions

Consumer Change in Terms
Consumer Fee Schedule
Consumer Privacy Notice
Electronic Statement Disclosure Agreement
Website and Mobile Services Agreement

Credit Card Holder Agreement
Credit Card Application Disclosure

Truth-in-Savings Non-Term Disclosure (Share and Checking Accounts)
Truth-in-Savings Term Disclosure (Term Share Accounts)

Business Change in Terms

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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.

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