Receive deposits automatically and securely into your HawaiiUSA Federal Credit Union account.

Set up Direct Deposit for your paycheck, government benefits checks, and tax returns

Why you’ll love Direct Deposit

Safe and secure

No paper checks

Convenient access to funds

Automatic deposits

Get paid up to 2 days early

Get your paycheck sooner with Direct Deposit

Why wait for payday?

When you have your payroll direct deposited into your HawaiiUSA account, you may receive your paycheck up to 2 days early with Early Paycheck.^

That means quicker access to your money so you can pay bills, cover expenses, or simply enjoy added peace of mind.

Benefits of Early Paycheck:

  • Get paid up to 2 days before your scheduled payday^
  • Access your money sooner at no extra cost
  • No enrollment required
  • Funds are automatically deposited into your HawaiiUSA checking or savings account
  • Enjoy convenience, security, and faster access to your earnings


How early paycheck works

It’s simple:

  1. Open a HawaiiUSA checking or savings account.
  2. Set up payroll direct deposit with your employer.
  3. When qualifying payroll deposits are received, your paycheck may arrive up to 2 days early.^

There’s nothing extra you need to do. If your payroll deposit qualifies, Early Paycheck happens automatically.

Ready to get started?

Your employer or government agency may require you to manually complete a form or enroll in Direct Deposit on their secured website. Please note, it typically takes up to two pay periods before the direct deposit takes effect. Here's what you'll need:

  • Financial Institution Name: HawaiiUSA Federal Credit Union
  • Our Routing Number: 321379410
  • Type of Account Receiving the Deposit: Checking or Savings
  • Checking or Savings account number
  • Checking and savings account numbers are 11-digits long, also known as MICR numbers.
    • Use your 11-digit account number for direct deposit and electronic/ACH transfers.
    • Example checking account number: 11001234560
  • Your member number is a portion of your full account number and is 4-6 digits long.
    • You may need your member number when contacting HawaiiUSA for support, enrolling in Digital Banking, and other services within the credit union.
    • Example member number: 123456
  • Digital Banking
    • Log in and select account
    • Go to “Account Details” (browser) or “Show Details” (mobile app)
  • On your checks (checking account number)

Make HawaiiUSA your financial home

When your paycheck comes directly to HawaiiUSA, you can:

Access your money faster
Manage bills and transfers more easily
Build healthy financial habits
Take advantage of Early Paycheck eligibility^
Keep your everyday banking in one convenient place

Frequently asked questions

Early Paycheck allows members with qualifying payroll direct deposits to receive their paycheck up to 2 days before their scheduled payday.^
No. If your payroll direct deposit qualifies, Early Paycheck is automatically applied.
Not always. Timing depends on when payroll information is submitted and received. Some pay periods may arrive earlier than others.
No. Early Paycheck currently applies only to qualifying payroll direct deposits.
Benefits of Membership

Discover a better way, with HawaiiUSA

Benefit from the differences between being a member and being a number 

^

Early Paycheck is available for qualifying direct deposit payroll transactions. Payroll funds may be available up to two (2) days before the scheduled payment date depending on when HawaiiUSA FCU receives payment instructions from the payer. Early availability is not guaranteed and may vary by pay period. No enrollment is required. Not all direct deposits qualify. Other restrictions may apply.