Fees

We'd like to give you all the information necessary to make the best choice when using our products and services. We make every effort to keep our fees as low as possible for your benefit.

Fees

These are the updated fees that apply to our personal and business accounts and services.

All rates and service charges subject to change without notice

Effective January 15, 2014
^ Effective March 1, 2014

Share Accounts
Share Account Minimum Balance $5.00
Secondary Share Account Minimum Balance $25.00
Account Service Fee $1.00 per month
(Assessed if the AVERAGE DAILY BALANCE for the period is less than $5.00)
SuperShare Account Excess Transaction Fee $10.00 per occurrence
(Assessed if more than three (3) transactions occur in a month)
Early Closure Fee (Accounts closed within the first 90 days) $25.00
Inactive Account Fee (Three (3) years of no activity) + $5.00 per month
eLife Checking Accounts
eLife Checking Account Minimum Balance None
Minimum Deposit to Open $20.00
Early Closure Fee (Accounts closed within the first 90 days) $25.00
Inactive Account Fee (One (1) year of no activity) + $5.00 per month
ShareDraft Accounts
ShareDraft Account Minimum Balance None
Minimum Deposit to Open $20.00
Early Closure Fee (Accounts closed within the first 90 days) $25.00
Inactive Account Fee (One (1) year of no activity) + $5.00 per month
SuperDraft Accounts
SuperDraft Account Minimum Balance None
Minimum Deposit to Open $1,000.00
Monthly Service Charge $10.00
(Assessed if the AVERAGE DAILY BALANCE for the period is less than $1,000.00)
Early Closure Fee (Accounts closed within the first 90 days) $25.00
Inactive Account Fee (One (1) year of no activity) + $5.00 per month
Premium Money Market Accounts
Premium Money Market Account Minimum Balance $50,000.00
Minimum Deposit to Open $50,000.00
Monthly Service Charge $20.00
(Assessed if the AVERAGE DAILY BALANCE for the period is less than $50,000.00)
Early Closure Fee (Accounts closed within the first 180 days) $100.00
Inactive Account Fee (Three (3) years of no activity) + $5.00 per month
Savings Safari Club and Jump Start Student Accounts
Share Account Minimum Balance $25.00
Account Service Fee $1.00 per month
(Assessed if the AVERAGE DAILY BALANCE for the period is less than $25.00)
Early Closure Fee (Accounts closed within the first 90 days) $25.00
Inactive Account Fee (Three (3) years of no activity) + $5.00 per month
Health Savings Accounts (HSA)
Health Savings Account Minimum Balance None
Minimum Deposit to Open $100.00
Early Closure Fee (Accounts closed within the first 180 days) $100.00
Set Up Fee $25.00
Account Service Fee $1.00 per month
Account Related Fees
Non-Sufficient Funds-Draft ^ $29.00 each
Non-Sufficient Funds-ATM or Debit Card Withdrawal ^ $29.00 each
Non-Sufficient Funds-ACH ^ $29.00 each
Courtesy Pay Fee ^ $29.00 each
Stop Payment-Draft $25.00 each
Stop Payment-Electronic Funds Transfer $25.00 each
Stop Payment-Cashier’s Check $30.00 each
Returned Deposited Item $10.00 each
ACH Credit Origination Fee
One Time Payment Request $3.00 per transaction fee
Recurring Payment Request $3.00 per transaction fee
Non-Notification of Current Mailing Address Fee $5.00 per quarter
Requested Copies (i.e. checks, statements, etc.) $2.50 per page
Legal Process (i.e. Garnishment, Levy) $50.00 each
Abandoned Property Processing Fee (Assessed in the month an inactive account is processed for escheatment) * $35.00
Check (Draft) Orders
All Checking Accountholders ^ Fee dependent on style of check ordered
eLife Checking Accountholders Only ^ One(1) free box of HawaiiUSA FCU Custom Checks per rolling calendar year
ATM Card Fee.$1.00 per month
ATM Card or Debit Card Replacement $10.00 per card
ATM Card or Debit Card Re-Activation $10.00 per card
System Generated PIN $1.00 per mailer
Expedited Shipping of ATM / Debit Cards $40.00 per card
ATM Withdrawals from Non-HawaiiUSA and Non-Bankoh Bank Machines ^ $2.00 per withdrawal
Cross-Border (International) Transaction Assessment
Cross-Border Assessment (Without currency conversion; single currency conversion) 0.9% of the transaction
Cross-Border Assessment (With currency conversion; multi-currency conversion) 1.1% of the transaction
Bill Pay Fees
Stop Payment $25.00 each
Requested Copies (i.e. checks, etc.) $2.50 per page
Returned Items $12.00 each
Manual Payment Reissue $12.00 each
Other Services
Exchange
Cashier’s Checks One (1) free per day, $8.00 each additional
Non-Member/Joint Owner to Third Party = $20.00 each
American Express Travelers Cheques Free to Members
(Not available to Non-Member/Joint Owner)
American Express Travelers Cheques for Two $0.50 per $100.00
(Not available to Non-Member/Joint Owner)
American Express Gift Cheques $2.50 per check
(Not available to Non-Member/Joint Owner)
Miscellaneous
Outgoing Wire Transfers Domestic - $40.00 Foreign - $45.00
Incoming Wire Transfers through Another Bank Initial Transfer = Free
Subsequent Transfers = $20.00
Incoming Wire Transfers Sent Directly to HawaiiUSA FCU Free
Records Research $25.00 per hour/fraction
Check Collection $25.00 per check
Document Review Fee Actual charges may apply
Safe Deposit Box-Rental (automatically deducted from S1-Share Account) 3 x 10 x 21 = $55.00 per year
5 x 10 x 21 = $80.00 per year
10 x 10 x 21 = $130.00 per year
Safe Deposit Box-Key Deposit $20.00
Safe Deposit Box-Forced Entry Minimum charge of $130.00
Safe Deposit Box-Knob Replacement Minimum charge of $450.00
Notary Member = First two (2) signatures free
Non-Member = Standard fees per Hawaii Revised Statutes
Signature Guaranty (Service available to members only) Free

+ Activity does not include Credit Union initiated transactions such as dividend payments, service charges, etc.
* Hawaii Statutes require that after five (5) years of inactivity and no member contact, any account balances must be turned over to
the State of Hawaii.
^ Fees and charges are effective March 1, 2014.

Member Business Share (Savings) and Share Draft (Checking) Accounts

All rates and service charges subject to change without notice

Effective January 15, 2014
^ Effective March 1, 2014

Business Share Account
Share Account Minimum Balance (Par Value) $5.00
Secondary Share Account Minimum Balance $25.00
Account Service Fee (Assessed if the Average Daily Balance for the period is less than $5.00) $1.00 per month
SuperShare Account Excess Transaction Fee (Assessed if more than three (3) transactions occur in a month) $10.00 per occurrence
Early Closure Fee (Accounts closed within the first 90 days) $25.00
Inactive Account Fee (Three (3) years of no activity)+ $5.00 per month
Business Money Market Account
Minimum Deposit to Open $50,000.00
Business Money Market Account Minimum Balance $50,000.00
Monthly Service Fee (Assessed if the Average Daily Balance for the period is less than $50,000.00) $20.00
Early Closure Fee (Accounts closed within the first 180 days) $100.00
Inactive Account Fee (Three (3) years of no activity)+ $5.00 per month
Business Share Draft Account (Standard)
Minimum Deposit to Open $100.00
Average Daily Balance Requirement $500.00
Monthly Service Fee (Assessed if the Average Daily Balance for the period is less than $500.00) $5.00
First 75 transactions (i.e. deposits, checks paid, etc.) No charge
76 to 100 transactions (i.e. deposits, checks paid, etc.) $0.20 per transaction*
101 and over transactions, additional $0.20 per transaction or $0.40 per transaction**
Telephone Banking No charge
Online Banking/Bill Payment No charge
ATM Access at HawaiiUSA FCU and Bankoh Bank Machines No charge
Early Closure Fee (Accounts closed within the first 90 days) $25.00
Inactive Account Fee (One (1) year of no activity)+ $5.00 per month
Business Share Draft Account
(Church, School, Community and Non-Profit Organizations)
Minimum Deposit to Open $100.00
Average Daily Balance Requirement None
First 75 transactions (i.e. deposits, checks paid, etc.) No charge
76 to 100 transactions (i.e. deposits, checks paid, etc.) $0.20 per transaction*
101 and over transactions, additional $0.20 per transaction or $0.40 per transaction**
Telephone Banking Not available
Online Banking/Bill Payment Not available
ATM Access Not available
Inactive Account Fee (One (1) year of no activity)+ $5.00 per month
Account Related Fees
Non-Sufficient Funds – Draft, ATM, Debit Card Withdrawal, ACH Debits^ $29.00 each
Stop Payment – Draft, Electronic Funds Transfer $25.00 each
Stop Payment – Cashier’s Check $30.00 each
Returned Deposited Item $10.00 each
ACH Credit Origination Fee – One Time/Recurring Payment Request $3.00 per transaction fee
Non-Notification of Current Mailing Address Fee $5.00 per quarter
Requested Copies (i.e. checks, statements, etc.) $2.50 per page
Legal Process (i.e. Garnishment, Levy) $50.00 each
Abandoned Property Processing fee (Assessed in the month an inactive account is processed for escheatment)++ $35.00
Draft (Check) Orders Fee dependent on style of draft ordered
Business Debit Card – Annual Fee# No annual fee
Debit Card Replacement $10.00 per card
Debit Card Re-Activation $10.00 per card
System Generated PIN $1.00 per mailer
Expedited Shipping of Debit Card $40.00 per card
ATM Withdrawals from Non-HawaiiUSA and Non-Bankoh Bank Machines^ $2.00 per withdrawal
Cross-Border (International) Transaction Assessment
Cross-Border Assessment (Without currency conversion; single currency conversion)
Cross-Border Assessment (With currency conversion; multi-currency conversion)

0.9% of the transaction
1.1% of the transaction
Bill Pay Fees
Stop Payment $25.00 each
Requested copies (i.e. checks, etc.) $2.50 per page
Returned Items $12.00 each
Manual Payment Reissue $12.00 each
Exchange Services
Cashier’s Checks – Individual Members Only One (1) free per day,
$8.00 each additional
American Express Travelers Cheques – Individual Members Only No charge
American Express Travelers Cheques for Two – Individual Members Only $0.50 per $100.00
American Express Gift Cheques – Individual Members Only $2.50 per check
Miscellaneous
Outgoing Wire Transfers – Domestic $40.00
Outgoing Wire Transfers – Foreign $45.00
Incoming Wire Transfers through Another Bank
Initial Transfer
Subsequent Transfers

No charge
$20.00
Incoming Wire Transfers Sent Directly to HawaiiUSA FCU No charge
Records Research $25.00 per hour/fraction
Check Collection $25.00 per check
Notary – Members No charge for first two (2) signatures
Notary – Non-Members Standard fees per Hawaii
Revised Statutes
Signature Guaranty – Members Only No charge