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Checking

Hawaii State FCU offers four types of checking accounts, each one custom designed to fit the ever-changing needs of our members. No matter which checking account you choose, your money will work harder for you.

 

Platinum Checking
Take advantage of a tiered checking account with unbeatable rates! With Platinum Checking, you combine the savings power of a higher-yielding investment share account with the liquidity of a checking account. The more money you maintain in your Platinum Checking account, the more you earn in dividends.

  • Unlimited check-writing
  • Free debit card with 1% cash back rewards (up to $20 on qualified purchases)*
  • One free box of platinum checks per year
  • Free online banking and free online bill pay
  • Minimum opening deposit of $2,500
  • Average daily balance requirement of $10,000 or a $10 service fee
  • Up to $500 off of mortgage closing costs
  • Up to 15 bps off of personal and auto loan rates
  • Up to an additional 25 bps off of loans with auto payment
  • Unlimited ATM usage 

 

ShareCheck
Earn dividends on your balance and make up to 20 surcharge-free transactions per month through any Bank of Hawaii Bankoh BankMachine ATM. Great for members maintaining higher balances, who want their money to earn money.

  • Unlimited check-writing
  • Earns dividends
  • Free debit card
  • One free box of standard checks (per account, per year)
  • $500 minimum average daily balance
  • Minimum to open only $50 (or $5 with direct deposit)
  • No monthly service fee (if avg. daily balance is $500 or more or if primary member is 55 years old or older; otherwise $5.00)
  • Free online banking, unlimited online bill pay and free online check images

 

 

ShareCheck Choice
A money-saving account with no minimum balance requirement. Plus, free online check images and up to 20 surcharge-free transactions per month through any Bank of Hawaii Bankoh BankMachine ATM.

  • Unlimited check-writing
  • No minimum balance requirement
  • Free debit card
  • One free box of standard checks (per account, per year)
  • No monthly service fee (with direct deposit or if primary member is 55 years old or older; otherwise $5)
  • Minimum to open only $50 (or $5 with direct deposit)
  • Free online banking, unlimited online bill pay and free online check images

  

 

Free E-Checking
A convenient checking account designed for members that enjoy the convenience of conducting their banking electronically.  Free E-Checking is completely free of monthly service fees and minimum balance requirements.  Free E-Checking also saves the environment by requiring free online e-Statements.

 

  • Unlimited check writing
  • No minimum balance requirement
  • Free debit card
  • One free box of standard checks (per account, per year)
  • No monthly service fee
  • Minimum to open only $50.00 (or $5.00 with direct deposit)
  • Free online banking, unlimited online bill pay and free online check images
  • Free online e-Statements are required for this account**


**Online e-Statements are required.  If you do not enroll in e-Statements or if at any point you stop receiving e-Statements, your account will be assessed a monthly eChecking Paper Statement Fee (see Fee Schedule).

 

 

Visa Debit Card
A Hawaii State FCU Visa Debit Card is a convenient, all-in-one debit and ATM card. Use your Visa Debit Card at millions of locations instead of cash or checks.

Convenience

  • Spend less time at the cash register by not having to write a check.
  • Make purchases without incurring any fees or service charges (provided funds are available in your Checking account).
  • Transactions can be viewed at anytime using online banking.
  • Receive free “cash-back” feature at merchants that offer “cash-back” service.

 

Easy ATM Access

  • Make withdrawals at over 1,000 ATMs in the State of Hawaii, and over 100,000 worldwide that display the Plus® logo or Star® logos.
  • Surcharge free access to over 400 Bank of Hawaii ATMs throughout the State of Hawaii.
  • Withdraw up to $600 per day from any of your designated credit union Checking or Savings accounts (provided funds are available).

 

Safety

  • Shop with greater confidence and safety with Visa’s zero-liability benefit, which protects you against unauthorized transactions.
  • Using your card eliminates the need to share personal information often required when using personal checks.

 

 

 

 

Free E-Checking

ShareCheck
Choice

ShareCheck

Platinum
Checking

Pays Dividends  

 

Minimum Avg Daily Balance None

None

$500

$10,000

FREE Debit Card

FREE Box of Standard Checks
(1 box per account, per year)

1 Free Box of
Platinum
Checks per year

FREE Online Bill Pay

FREE Online Check Images

Unlimited Check writing

Click here for more information

 

* Platinum checking card holders will receive a cash rebate (Debit Reward) of 1 percent of the net qualifying debit card purchases on merchandise (purchases less returns) per month, up to $20 per month. To qualify for the reward, the purchases must be a signature or PIN-based debit card transaction. Debit Rewards will accumulate on a monthly basis, and will be credited to your Platinum Checking account as of the first day of the following month. In order to receive Debit Rewards for qualified debit card purchases, the Platinum Checking account must be opened through the first day of the following month. Debit Rewards are not earned for fees, surcharges, cash advances, ATM transactions, or foreign currency conversion charges. We may amend (change, add to or delete) this Platinum Checking Account Debit Rewards program by mailing, e-mailing or delivering a notice to you in accordance with Section 10 of the Electronic Funds Transfer Agreement.

 

 

Featured Loan Rates
APR as low as *
Personal4.00%
Auto1.99%
Motorcycle3.90%
 
*Click rate for more info. These are the lowest rates available.
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