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