Checking Account

As a not-for-profit financial co-op, our goal at CU Hawaii is to help you discover MORE POSSIBILITIES. We designed our checking accounts to do just that. Enjoy 24/7 account access online, over the phone or on our mobile app — all for free. Upgrade to Plus Checking to earn competitive dividends. And never pay a cent in monthly service fees.

  • No minimum deposit required to open
  • No monthly service fees or minimum balance requirements
  • Access via ATM, Online Banking, Telephone Banking and Mobile Banking available 24 hours a day/7 days a week
  • Free Online Bill Pay with Online Banking
  • Free Mobile Deposit with Mobile Banking
  • Free debit card available
  • Overdraft protection options available
    • Overdraft Savings Transfer1
      • Your coverage is free of charge
      • Your Membership Savings account is linked upon request when you open your checking account
      • You must have enough funds in your linked Savings account to cover the full transaction amount
    • Courtesy Pay
      • Covers overdrafts from checks, ATM withdrawals, Automated Clearing House (ACH) transaction (including automatic bill payments) and debit card transactions 
      • Used if there are insufficient funds in the savings for an Overdraft Savings Transfer
      • $25 fee for each overdraft
      • 30 days to bring the account to a positive balance
      • The credit union will not pay an overdraft if you have reached your overdraft limit plus fees

PLUS CHECKING ACCOUNT 

Enjoy all the benefits of our regular checking account, plus competitive dividends on average daily balances of $2,500 or more and free CU Hawaii logo checks. Minimum opening balance required is $2,500.  View our current rates.

*To use CU Hawaii's Mobile Deposit Service, you must be enrolled in our Online Banking and Mobile Banking Services. Regular check processing fees applicable. Standard message and data rates may apply. Please check with your mobile carrier plan for details.

1The Overdraft Savings Transfer transfers funds, at no charge to you, from a linked Savings account to your checking account when there are insufficient or unavailable funds in your checking account. Your Savings account is linked to your checking account of choice after agreeing to Overdraft Savings Transfer coverage. See our CU Hawaii disclosures for more information.

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