Make your everyday banking extraordinary


5.00% APY

On Balances up to $10,000

View eLife Tiered Checking rates


ATM Reimbursement



Built-in ID Protection


If you’re like most people, your checking account does the heavy lifting when it comes to everyday banking tasks. It’s the account you use to pay bills and conduct most of your transactions. If you tend to keep a higher balance, a HawaiiUSA eLife Checking Account can help you to grow your money with a healthy interest rate while benefiting from a wide range of free services.


Get more for your time and money

  • Earn 29.4x the national average interest rate** – 5.00% APY for balances up to $10,000
  • No set-up fee, monthly account service fee or minimum balance requirement (after account opening)
  • Out-of-network ATM fee rebates up to $20/month with access to over 30,000 surcharge-free ATMs within the CO-OP Network***
  • Digital Banking helps you to manage your money anytime, anywhere
  • Free Mastercard® Debit Card
  • Mobile Wallet enabled for contactless payments
  • Free box of checks every rolling 12 months***
  • Peace of mind with ID Theft Restoration included with your account

Additional Checking Account add-on features

  • Courtesy Pay—With Courtesy Pay, HawaiiUSA will cover checks, electronic payments, and transfers that won’t clear due to insufficient funds. Fees may apply.
  • Overdraft Protection—Life happens. Opt-in to our Overdraft Protection and we’ll automatically transfer money from your HawaiiUSA Savings Account so you can avoid an overdraft fee.


Open an account

How to earn interest on your eLife Checking Account

Meet three simple requirements each month*** to qualify and you’ll earn 29.4x the interest most credit unions pay on their Interest Checking accounts.

  • Make 10 or more debit card purchases
  • Enroll and receive eStatements
  • Receive one direct deposit, ACH transaction, or HawaiiUSA Online Bill Pay payment


See eLife checking in action


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  Dividend Rate Annual Percentage Yield (APY)
Base Rate1 0.01% 0.01%
Tiered Balances to Earn APY2 Dividend Rate Annual Percentage Yield (APY)
$0 to $10,000.00 4.88% 5.00%
$10,000.01 or more 0.05% 5.00% - 0.25%*

1Dividend Rate paid on entire balance if Transaction Qualifications are not met.

2Dividend Rates paid for each tiered balance when ALL Transaction Qualifications are met for each qualification cycle.

*APY is based on balances of $10,000.01 and $250,000.00. APY decreases on larger balances as dividends are earned at a lower dividend rate.


Rates are effective as of March 1, 2023 and are subject to change without notice. Minimum balance to open the account is $20.00.  Fees may reduce earnings on the account.


** Comparison based on HawaiiUSA eLife 5.00% APY vs. the credit union national average Interest Checking rate (0.17%) as of 2/28/2023 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

*** Each month’s qualification cycle ends on the second to the last day of each month. The eLife Checking: Qualifications document—which contains the various qualification cycles and other important information—is available to download or can be obtained at any HawaiiUSA FCU branch. Your Debit Card transactions and direct deposit/ACH transactions must be posted or cleared on the account to be counted within each qualification cycle. It may take up to three business days before the transaction posts or clears the account.