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MyChance Checking

Looking for a way to restart your relationship with a Financial Institution? MyChance checking will give you that opportunity. You'll have many of the same features and benefits of our Share Draft accounts with additional help to make your financial dreams come true.

MyChance Checking
  • $20 minimum opening deposit ($10 minimum balance thereafter)
  • Low monthly account service fee with additional discounts available for Direct Deposit or Automatic Withdrawal and Online Banking with eAlerts
  • Eligible for HawaiiUSA FCU’s Debit MasterCard® or ATM card
  • Access Online and Mobile Banking services
  • Direct Deposit automatically deposits your paycheck, quickly and securely 

Minimum Balance Requirement. The minimum required to open this account is $20.00. You must maintain a minimum average daily balance of $10.00

Fees. A service charge of $1.00 will be imposed every month if the average daily balance for the month falls below $10.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the month. Accounts closed within the first ninety (90) days will be assessed a $25.00 Early Closure Fee. An Overdrawn/NSF fee will be assessed for overdrafts created by check, debit card transaction, in-person withdrawal, ATM withdrawal, or other electronic means. This account is not eligible for the Courtesy Pay service. Account will be subject to a monthly Inactive Account Fee when there is no activity for one (1) year. Please refer to the current “Schedule of Fees and Charges” for account fees. 

This account will be charged a $10.00 monthly service fee. Discounts to the monthly service fee can be obtained by one or both of the following: 

• Receive one or more direct deposits or ACH debits/credits per statement cycle to receive $2.00 off the monthly service fee. 

• Enroll in eAlerts and online banking to receive $1.00 off the monthly service fee. 
 

Account Requirements. You must clear any negative balances, including any fees, within 7 calendar days. If your account is not brought to a positive balance within 7 calendar days, we may revoke your MasterCard debit card or ATM card. If your account is not brought to a positive balance within 25 calendar days, your account may be closed and reported to ChexSystems. 

Account Conversion. You may request to have your account converted to another share draft account after 12 months from open date provided the following requirements are met: 

• Not more than 3 Non-Sufficient Fund (NSF) fees are assessed within the past 12 months. 

• You successfully complete the Life Events Assistance Program’s (LEAP) Checking Account Management and Money Management courses with a passing grade prior to your request to convert the account. 

• You satisfy any unpaid obligations to any financial institutions that have been reported to ChexSystems prior to your request to convert the account. 

 

Bylaw Requirements. You must complete payment of one share into your Prime Share Savings Account as a condition of admission to membership. The par value of a share is $5.00. If your share balance is reduced below the par value of one share, and you do not increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership. 

Refusal to Accept Deposits or Permit Withdrawals. We reserve the right to refuse deposits into this account. We also reserve the right to refuse withdrawals from this account if 1) you have insufficient available funds in this account, or 2) a governmental agency or court order restricts withdrawals. 

National Credit Union Share Insurance Fund. Member accounts in HawaiiUSA FCU are federally insured by the National Credit Union Share Insurance Fund. 

Supplemental Provisions. Your account is subject to all other terms and conditions set forth in your Signature Card and Account Agreement and all other agreements you have with the Credit Union. 

As an account conversion requirement, you will need to complete the following courses with a passing grade of 80% or better.
 

MyChance Course Instructions

 

Checking Account Management

 

Money Management