Get Started with Hawaii State FCU

Photo of a family smiling.

Welcome to our family! We want to help you get the most from your new membership. That includes convenient access to your money and a lot of money-saving benefits and services. Plus, we have a variety of loan options to help you finance the things you need.

Free 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.

Free Debit Card

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

Free Digital Banking & Mobile App

Pay bills, transfer funds, view eStatements and more from your computer or the HSFCU Mobile App.

Free ID Theft Assistance

For you and your household with all consumer checking accounts to help you protect your personal information and accounts.

Free Checks

Get a free box every year.

Financial Planning

Schedule an appointment with one of our CFS1 financial advisors to help maximize your investment and retirement accounts.

Unlimited Check Writing

Never worry about paying per-check fees.

Unlimited Surcharge-Free ATMs

At all Hawaii State FCU and Bank of Hawaii ATMs.

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 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.

Direct Deposit

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.

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 us at (808) 587-2700 / Toll-free 1 (888) 586-1056 or visit one of our convenient branches today to enroll in Overdraft Protection.

Anytime, Anywhere Access

Digital Banking

Log in to Digital Banking 24/7 from any computer or mobile device to experience anytime access and pure convenience, including:

  • Real-time interactive transactions
  • Up-to-date current balances and account history
  • Unlimited free online bill payments
  • Transfers between credit union accounts and other financial institutions
  • Set up account transaction alerts
  • View account statements (eStatements)

Register for Digital Banking and eStatements to manage your accounts.

Phone Banking

Private Line, Hawaii State FCU’s 24-hour bank-by-phone service, allows you to check account balances, withdrawals and deposits, transfer funds, receive rate information and more. Just call (808) 536-7717 or Toll-Free 1 (888) 557-6830 to try it today.

Hawaii State FCU Mobile App

Download the Hawaii State FCU Mobile App2 and log in to all your Hawaii State FCU accounts from anywhere. Check your account history, pay bills, transfer funds and find a nearby branch or ATM. You can even make deposits with Mobile Check Deposit3. All you need is the Hawaii State FCU Mobile App and your smartphone.

App Store icon to download the Hawaii State FCU Mobile App    Google Play icon to download the Hawaii State FCU Mobile App

New HSFCU Mobile App Icon

Loans and Lines of Credit

Credit Cards

Our Visa® Signature or Visa® Platinum Credit Card gives you the chance to earn cash back or rewards on all your purchases with no annual fee.

Personal Loans & Lines of Credit

Our personal loans and lines of credit can help you pay for life’s unexpected expenses.

Auto & Motorcycle Loans

Need a new ride? We offer auto & motorcycle loans with low, fixed Annual Percentage Rates and flexible terms with approved credit.

Mortgages & Home Equity Lines of Credit

The right home loan or HELOC make it possible to own a new home or fix up the one you already have.

Photovoltaic (PV) Loans

Our PV loans help you get even more out of Hawaii’s abundant sunshine with competitive financing options.

Business Loans & Lines of Credit

Talk with our business banking team help your small-business grow.

Maximize your membership

We’re here to help you get started.

1 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor.  Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through Hawaii State Federal Credit Union. Hawaii State Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

2 HSFCU Mobile App is free to all Hawaii State FCU members. An internet-enabled mobile device is required to access the HSFCU Mobile App. Available only for AndroidTM, iPhone® and iPad® devices. iPhone® and iPad® is a trademark of Apple® Inc., registered in the U.S. and other countries. App store is a service mark of Apple Inc. Android is a trademark of Google Inc. Standard messaging and data usage fees apply. Please contact your carrier for details.

3 Mobile Check Deposit feature is available in HSFCU Mobile App version and higher.

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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