Checking Check Application Status Check Application Status Open an Account Open an Account Home Bank Personal Checking Pages within Personal Online BankingMobile BankingCardsCheckingSavings & CertificatesMember ProtectionServices What would you like from your personal checking account? Print A A A We can help you find the right fit with various accounts that offer convenience, value and, in some cases, dividends on your deposits. Overview Comparison eLife Checking A checking account with (your) interest in mind. Get rewarded for living your life. Learn More Kasasa Cash Back Checking All the cash back rewards without the interest payments or service charges. Maybe the cash back card you’re looking for is actually a debit card. With Kasasa Cash Back Checking, keep the cash and only pay for what you spend. Learn More Super Draft With larger daily balances, you can make your money work harder for you in this dividend-bearing account. Learn More Share Draft This personal checking account provides convenient access to your money and several online services. Learn More MyChance Checking Looking for a way to restart your relationship with a Financial Institution? MyChance checking will give you that opportunity. Learn More Debit Rewards Your everyday purchases earn points redeemable toward fantastic merchandise, travel, gift cards and more. Learn More Overdraft Protection Protect yourself from costly fees associated with returned payments from insufficient funds in your checking account. Learn More Kasasa Cash Back Checking eLife Checking Share Draft Super Draft Ideal for you if You want to earn cash back rewards on purchases and you plan to use this as your primary checking account for daily spending You want a checking account that earns dividends on your balance, and you plan to use this as your primary checking account for daily spending You want a simple checking account for your everyday needs You want to earn higher dividends while maintaining quick and easy access to your money with no qualification requirements Earns dividends No Yes No Yes Tiered dividend rates No Yes No No Earns Cash Rewards on Purchases Yes No No No Complimentary HawaiiUSA Debit MasterCard® Yes Yes Yes Yes No-cost Access to Bill Pay Yes Yes Yes Yes Optional Overdraft Protection Yes Yes Yes Yes Check discounts Yes Yes Yes Yes Minimum opening balance $20 $20 $20 $1,000 Average daily balance required None None None None Maximum balance Unlimited Unlimited Unlimited Unlimited Setup fee None None None None Access Online Banking and Bill Pay eStatements and paper statements Telephone Banking HawaiiUSA Debit Mastercard® Surcharge-free ATM access at Bank of Hawaii and CO-OP Shared Branch ATMs Automatic Transfers and Payments Direct Deposit Shared Branching access Online Banking and Bill Pay eStatements and paper statements Telephone Banking HawaiiUSA Debit MasterCard® Surcharge-free ATM access at Bank of Hawaii and CO-OP Shared Branch ATMs Automatic Transfers and Payments Direct Deposit Shared Branching access Online Banking and Bill Pay eStatements and paper statements Telephone Banking HawaiiUSA Debit MasterCard® Surcharge-free ATM access at Bank of Hawaii and CO-OP Shared Branch ATMs Automatic Transfers and Payments Direct Deposit Shared Branching access Online Banking and Bill Pay eStatements and paper statements Telephone Banking HawaiiUSA Debit MasterCard® Surcharge-free ATM access at Bank of Hawaii and CO-OP Shared Branch ATMs Automatic Transfers and Payments Direct Deposit Shared Branching access Great value Unlimited check-writing and electronic debits Standard and designer checks available for nominal fee Overdraft Protection from shares or Overdraft Line of Credit to qualified members Courtesy Pay Unlimited check-writing and electronic debits One complimentary box of HawaiiUSA Custom Checks per rolling calendar year Designer checks available for nominal fee Overdraft Protection from shares or Overdraft Line of Credit to qualified members Courtesy Pay Unlimited check-writing and electronic debits Standard and designer checks available for nominal fee Overdraft Protection from shares or Overdraft Line of Credit to qualified members Courtesy Pay Unlimited check-writing and electronic debits Standard and designer checks available for nominal fee Overdraft Protection from shares or Overdraft Line of Credit to qualified members Courtesy Pay