eLife Checking Debit Card

Earning 14.3x more1 than most credit unions pay is as simple as 1-2-3:

  • Make 10 or more debit card purchases 2
  • Enroll and receive eStatements
  • Receive one direct deposit, ACH transaction, or HawaiiUSA Online Bill Pay payment


Open an Account


And the best part is you’re probably already doing all of it!  Find out how your purchases stack up by logging into Digital Banking. Here’s an example of a typical week that demonstrates how simple earning more can be. 




Log in to Digital Banking and check your eStatement


Debit card purchase #1: Download the eBook you’ve been eyeing on becoming a coffee expert



Debit card purchase #2: Pay for your streaming video subscription

computer playing video



Debit card purchase #3: Pick up breakfast on-the-go

coffee and croissant


Debit card purchase #4: Get lunch delivered



Debit card purchase #5: Stop by the supermarket for groceries

grocery basket



Debit card purchase #6: Fill up on gas

gas pump


Debit card purchase #7: Pay for your shaving subscription

shaving kit



Debit card purchase #8: Get a baby registry gift online

computer displaying baby registry



Debit card purchase #9: Pick up dinner

bowl of ramen


Debit card purchase #10: Flash sale online: The espresso machine you want is 50% off

espresso machine



Pay bills with Digital Banking and Bill Pay

mobile device displaying bill pay


Dream about the 1.50% APY you earned by using eLife Checking and the money you’ll save by making espresso at home!




* APY = Annual Percentage Yield. Premium Rates of 2.00% APY paid on average daily balances of $10,000 and below and 0.05% APY paid on average daily balances over $10,000 each monthly cycle when monthly qualifications have been met. If monthly qualifications are not met, a base rate of 0.01% APY will be paid on the average daily balance. Rates current as of 11/03/2022 and may change anytime after the account has been opened. Minimum $20 is required to open this account. No minimum balance is required. Subject to other HawaiiUSA FCU account terms and conditions. Other fees may apply which could reduce your earnings. A minimum $5 is required to open a HawaiiUSA FCU Share savings account (if applicable). Member must be eligible for and obtain a HawaiiUSA FCU Debit Card.

1 Comparison based on HawaiiUSA eLife 2.00% APY as of 11/03/2022 vs. the credit union national average Interest Checking rate (0.14%) as of 11/03/2022 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.

2 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.