Our KAHULUI AND KIHEI SAFEWAY BRANCHES will close early at 4 p.m. on Friday, August 9 for an island-wide meeting. For 24/7 access to your accounts, use Digital Banking or the HSFCU Mobile App.
Open an account
Life is busy enough without worrying about your checking account. Hawaii State FCU checking account options help you achieve financial happiness with the ability to waive monthly fees when you meet some simple qualifications.
Best if you want:
Best if you want:
No monthly service fees
No monthly service fees
Earns dividends
Earns dividends
Free Visa® Debit Card with EMV Chip and mobile card controls
Free Visa® Debit Card with EMV Chip and mobile card controls
Free unlimited ATM withdrawals at all Hawaii State FCU and Bank of Hawaii ATMs
Free unlimited ATM withdrawals at all Hawaii State FCU and Bank of Hawaii ATMs
Rebate for domestic third party ATM surcharge fees, up to $5 per transaction and $20 per statement period
Rebate for domestic third party ATM surcharge fees, up to $5 per transaction and $20 per statement period
Up to 1% cash back on debit card purchases3
Up to 1% cash back on debit card purchases3
Free Online Banking, Mobile App, and Mobile Check Deposit
Free Online Banking, Mobile App, and Mobile Check Deposit
Unlimited Check Writing and Bill Pay
Unlimited Check Writing and Bill Pay
HiFlex
Best if you want:
A flexible account with no overdraft fees.1
No monthly service fees
Avoid the $5 monthly service fee with eStatements or direct deposit.
Earns dividends
Free Visa® Debit Card with EMV Chip and mobile card controls
Free unlimited ATM withdrawals at all Hawaii State FCU and Bank of Hawaii ATMs
Rebate for domestic third party ATM surcharge fees, up to $5 per transaction and $20 per statement period
Up to 1% cash back on debit card purchases3
Free Online Banking, Mobile App, and Mobile Check Deposit
Unlimited Check Writing and Bill Pay
HiFlex Learn More
Simple
Checking
Best if you want:
An easy-to-use and simple-to-manage checking account.1
No monthly service fees
Avoid the $5 monthly service fee with eStatements, direct deposit, or if you are age 55.
Earns dividends
Free Visa® Debit Card with EMV Chip and mobile card controls
Free unlimited ATM withdrawals at all Hawaii State FCU and Bank of Hawaii ATMs
Rebate for domestic third party ATM surcharge fees, up to $5 per transaction and $20 per statement period
Up to 1% cash back on debit card purchases3
Free Online Banking, Mobile App, and Mobile Check Deposit
Unlimited Check Writing and Bill Pay
Simple Checking Learn More
Dividend Checking
Best if you want:
An account that earns dividends.1
No monthly service fees
Avoid the $5 monthly service fee with at least 20 debit card purchases a month or a minimum average daily balance of $1,000.
Earns dividends
Free Visa® Debit Card with EMV Chip and mobile card controls
Free unlimited ATM withdrawals at all Hawaii State FCU and Bank of Hawaii ATMs
Rebate for domestic third party ATM surcharge fees, up to $5 per transaction and $20 per statement period
Up to 1% cash back on debit card purchases3
Free Online Banking, Mobile App, and Mobile Check Deposit
Unlimited Check Writing and Bill Pay
Dividend Checking Learn More
Relationship Checking
Best if you want:
An account that rewards you for your deposit and loan balances with us.1
No monthly service fees
Avoid the $20 monthly service fee with combined deposit and loan balances totaling $25,000 (excluding mortgages).2
Earns dividends
Free Visa® Debit Card with EMV Chip and mobile card controls
Free unlimited ATM withdrawals at all Hawaii State FCU and Bank of Hawaii ATMs
Rebate for domestic third party ATM surcharge fees, up to $5 per transaction and $20 per statement period
Up to 1% cash back on debit card purchases3
Free Online Banking, Mobile App, and Mobile Check Deposit
Unlimited Check Writing and Bill Pay
Relationship Checking Learn More
Ready to open a checking account and need more assistance?
Schedule an appointment online at one of our branches.
Member Testimonial
I have checking, savings, auto and personal loans through Hawaii State FCU and I’ve been happy with all of my services. The service is quick and I don’t have to stand in line for too long. No matter what teller I go to, they are always very friendly.
Misty M.
Dividend Checking Account Rate
Min. Opening Deposit | Min. Daily Balance to Earn APY | APY* |
|---|---|---|
* The Annual Percentage Yield (APY) may change after the account is opened. APYs are as of 7/31/2024, and may change at any time without notice. Fees may reduce earnings. SeeConsumer Truth-in-Savings Non-Term Disclosure for more information. | ||
Min. Opening Deposit $50 or $5 with Direct Deposit | Min. Daily Balance to Earn APY None | APY* 0.02% |
Relationship Checking Rate*
Balance | Min. Opening Deposit | Min. Daily Balance to Earn APY** | APY*** |
|---|---|---|---|
* An additional Relationship Bonus may also apply. Please see our Consumer Truth-in-Savings Non-Term Disclosure for more information regarding the Relationship Bonus. ** The Investment Share Account, Relationship MAXSM Share and the Relationship Checking Account are tiered rate accounts. To determine the APY that will apply to your account, refer to the appropriate tier that applies to your account average daily balance for the month. When a particular average daily balance range is met, the APY will apply to the full balance in that account. *** The Annual Percentage Yield (APY) may change after the account is opened. APYs are as of 7/31/2024, and may change at any time without notice. Fees may reduce earnings. | |||
Balance $0 - $9,999.99 | Min. Opening Deposit $2,500 | Min. Daily Balance to Earn APY** None | APY*** 0.02% |
Balance $10,000 - $24,999.99 | Min. Opening Deposit $2,500 | Min. Daily Balance to Earn APY** $10,000 | APY*** 0.02% |
Balance $25,000 - $49,999.99 | Min. Opening Deposit $2,500 | Min. Daily Balance to Earn APY** $25,000 | APY*** 0.02% |
Balance $50,000 and above | Min. Opening Deposit $2,500 | Min. Daily Balance to Earn APY** $50,000 | APY*** 0.03% |
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 Google 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 ATMnear 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 (Apply Pay, Samsung Pay or Google Pay) to take advantage of card number tokenization – the safest way to pay.
Identity Theft Recovery Checklist
If you become a victim of identity theft, this step-by-step guide will help you through the reporting and recovery process.
view the checklist
Get Financially Healthy with Hawaii State FCU's Wallet Wisdom
Learn to manage, save, invest, borrow and spend wisely, now and in the future.
Free 1-Hour Seminars
Like any strong family, we support each other and share what we know. Join us for a free educational seminar.
Online Learning
Find financial peace of mind with interactive online courses that cover everything, from identity theft to building a budget.
Financial Counseling
Free, confidential counseling is available for you and your immediate family.
Money Advice
Follow the Hawaii State FCU Wallet Wisdom blog. Learn tips and tricks to manage your money to improve your financial well-being.
Improve Your Financial Success
Ready to open a checking account?
Not yet a member?
Join the Credit Union
Schedule an appointment at one of our branches.
Schedule an Appointment
Contact us
(808) 587-27001 (888) 586-1056
memberservices@hsfcu.com
Disclosures
1. Please see our Consumer Truth-in-Savings Non-Term Disclosure for more information. Overdraft Payment Services, Overdraft Protection Program (Transfers) and check writing are not available for HiFlex accounts.
2. 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.
3. Please see our Consumer Truth-in-Savings Non-Term Disclosure for more information regarding the Relationship Bonus and Relationship Checking Debit Card Cash Back.
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.
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