Checking What would you like from your personal checking account? We can help you find the right fit with various accounts that offer convenience, value and, in some cases, dividends on your deposits. Open an Account Open an Account Check Application Status Check Application Status Home > Bank > Personal > Checking Print A A A Navigate Pages within this Section Pages within PersonalOnline BankingMobile BankingCardsCheckingSavings & CertificatesMember ProtectionServices Overview Comparison eLife Checking Earn a competitive rate on your deposits with this feature-rich account. 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 eLife Checking Learn More eLife Checking Share Draft Super Draft Ideal for you if You are a person on-the-go who enjoys rewarding yourself with a checking account that pays you back and the convenience of accessing your accounts electronically You want a simple checking account for your every needs You want to earn higher dividends while maintaining quick and easy access to your money Complimentary HawaiiUSA Debit MasterCard®1 Yes Yes Yes Complimentary Online Banking Yes Yes Yes No-cost Access to Bill Pay Yes Yes Yes Optional Overdraft Protection Yes Yes Yes Check discounts Yes Yes Yes Earns dividends Yes No Yes Tiered dividend rates Yes No No Minimum opening balance $20 $20 $1,000 Average daily balance required None None None Maximum balance Unlimited Unlimited Unlimited Setup fee None None None Access Online Banking and Bill Pay eStatements and paper statements Telephone Banking HawaiiUSA Debit MasterCard®1 Surcharge-free ATM access at Bank of Hawaii Automatic Transfers and Payments Direct Deposit Shared Branching access Online Banking and Bill Pay eStatements and paper statements Telephone Banking HawaiiUSA Debit MasterCard®1 Surcharge-free ATM access at Bank of Hawaii Automatic Transfers and Payments Direct Deposit Shared Branching access Online Banking and Bill Pay eStatements and paper statements Telephone Banking HawaiiUSA Debit MasterCard®(Enhanced)1 Surcharge-free ATM access at Bank of Hawaii Automatic Transfers and Payments Direct Deposit Shared Branching access Great value 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 Personal Online Banking TextMe Banking Get a pulse on your money Mobile Banking Mobile Deposit Download Our App Cards Credit Cards Debit Cards ATM Cards Mobile Wallet Checking eLife Checking Super Draft Share Draft MyChance Checking Debit Rewards Overdraft Protection eLife Checking Savings & Certificates Savings Certificates Health Savings Accounts IRAs Youth Savings Accounts Regulation D Member Protection ID Theft Protection Major Mechanical Protection Guaranteed Asset Protection Accidental Death & Dismemberment Credit Protection Plan Pet Insurance Farmers Insurance Hawaii Services Direct Deposit Telephone Banking TurboTax® Savings Branch Services Business Business Checking Business Share Draft Business Share Draft (Non-Profits) Business Savings & Certificates Business Prime Share Business Super Share Money Market Accounts Share & Income Certificates Jumbo Share Certificates Business Cards Business Debit MasterCard® Business Protection Business Services