When you need a simple personal checking account option with no minimum balance requirement, take a look at our Share Draft account. 

  • $20 minimum opening deposit (no minimum balance thereafter) 
  • No set-up fee or monthly account service fee
  • HawaiiUSA FCU’s Debit MasterCard® with zero liability protection
  • Access Online and Mobile Banking services
  • Direct Deposit automatically deposits your paycheck, quickly and securely
  • Standard and designer checks available for a nominal fee
  • Opt-in for Overdraft Protection  to avoid costly fees and delays