Compare Checking Accounts Home Bank Personal Checking Compare Checking Accounts Pages within Personal Online BankingMobile BankingCardsCheckingSavings & CertificatesMember ProtectionServices Print A A A 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 and Mobile Banking 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 and Mobile Banking 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 and Mobile Banking 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 and Mobile Banking 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