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Card controls

Block/unblock or report lost/stolen cards

Grow your money with a Share Certificate Learn more

Step-by-Step Instructions

Payment & Transfers

Routing Number: 321379410

The terms “Member Number,” “Account Number,” and “Savings Account” are interchangeable and reference the series of 4-6 digits identifying you and your account with HawaiiUSA FCU. This number is different from your 11-digit “Checking Account” number. You may obtain this number, as well as additional account information by referring to the bottom of your checks. If you do not have checks for your account(s), you can request your account information by visiting a HawaiiUSA branch or calling (808) 534.4300 or (800) 379.1300.

A rewards debit card offers incentives or rewards when you use it to make purchases. It typically earns points, cash back, or other rewards based on the amount of money spent using the card. These rewards can often be redeemed for merchandise, travel, gift cards, or more. Rewards debit cards provide an opportunity to earn benefits while using your own funds for transactions, combining the convenience of a debit card with the perks typically associated with credit card rewards programs.

Manage debit and credit card settings in Digital Banking or the Mobile Banking app. You can block or unblock debit or credit card transactions from going through for that card, or create travel notices.

  1. Go to the “Financial Tools” tab and click “Credit & Debit Card Controls”
  2. Select your desired card
  3. Click block or unblock to control transactions, or click the dropdown for Travel Notices, where you can enter the start/end date of travel along with your domestic or international destination (Note: to list multiple locations, please separate using a comma. For a credit card, you are NOT able to enter more than one travel note at a time.
  4. Save settings


Savings and checking accounts serve different purposes, and each has its advantages. A savings account is designed for long-term savings and those with higher interest rates can help your money grow over time. It's ideal for emergency funds or saving for specific goals. On the other hand, a checking account provides easy access to your funds for daily transactions, bill payments, and ATM withdrawals. With an interest-bearing checking account, you can earn money from the cash you deposit. To effectively manage your finances, it's recommended to have both types of accounts. Keep a sufficient balance in your checking account for everyday expenses and use a savings account to accumulate savings and earn interest.

Three key reasons why you should have a savings account are:

  1. Emergency preparedness: A savings account provides a financial safety net for unexpected expenses, ensuring you have funds readily available during emergencies or unforeseen circumstances.
  2. Goal-oriented saving: save systematically for specific financial goals, such as a down payment on a home, a dream vacation, or starting a business. It helps you stay organized and disciplined in achieving your objectives.
  3. Interest accumulation: By keeping your money in a savings account, you can earn interest on your balance, allowing your savings to grow over time. The compounding effect of interest can significantly enhance your overall savings and provide passive income.

A Share Certificate and a CD (Certificate of Deposit) are essentially the same. They both represent fixed-term deposit accounts offered by banks and credit unions. The main difference lies in the terminology used by these institutions. Share Certificates are typically offered by credit unions, while CDs are commonly used by banks. Both products have predetermined terms, locked-in funds, and fixed interest rates. Early withdrawal may result in penalties. In terms of their function and benefits, they provide a secure investment option with a guaranteed return, making them suitable for individuals looking to earn interest on their savings over a fixed period.

A Share Certificate can be advantageous in several situations: 

  1. Higher interest rates: Share Certificates often offer higher interest rates compared to regular savings accounts. This can be beneficial if you want to maximize your earnings on a fixed amount of money over a specific term.
  2. Fixed-term savings: If you have a specific savings goal on a set timeline, such as saving for a down payment on a house or a major purchase, a Share Certificate allows you to lock in your funds for a predetermined period and earn interest until maturity.
  3. Financial discipline: By placing funds in a Share Certificate, you commit to not accessing the money until the term ends. This can help you avoid impulsive spending and maintain disciplined saving habits.


If you get locked of of digital banking, you will need to reset your password through Online Banking or Mobile Banking. Click on "New User? or Forgot Password?". This link is located on the login box on the homepage and follow the prompts to reset your access. For your security, Digital Banking access is deactivated if you do not log in for six months. If your access expires, you may re-enroll as a new user but you will need to select a new Username and Password. 

  • Loan Payments: Log into your HawaiiUSA Digital Banking account or Mobile App and click the Transfers widget to schedule a one-time or recurring payment to your HawaiiUSA loan.
  • Credit Card Automatic Payments: Options to pay from an external account or setup recurring payments are NOT available in the transfers widget. To manage external credit card payments and/or recurring payments, you will need to go to the Card Management, click More Credit Card Options, and click “Please click here for additional Credit Card Options and Disputes”
  • Loan or Credit Card payment to another financial institution: Use our Link Accounts feature you can see all your accounts from every institution in one place:
    • Log in to Digital Banking from our website
    • Click on the Settings option from the dropdown menu by your username in the top right corner
    • Click on the Accounts tab
    • Click on Link an External Account and follow the on-screen instructions

To learn about the features that make HawaiiUSA Digital Banking the best solution for you, see our Digital Banking page.

Click the “New User” link to enroll in Digital Banking or “Sign up now” in the mobile app.

You’ll need to verify your identity by entering your:

  • 4-6 digit primary account number
  • SSN/TIN/EIN (no dashes)

And only entering ONE of the following:

  • Date of birth
  • or Email
  • or ZIP code

1. From the mobile app, log into Digital Banking, then go to "Manage Accounts" 
2. Click "eStatements," then go to "Settings" 
3. Select "Online" for your Account Statements and follow the instructions


All Personal Loans except 1st & 2nd Mortgages, Lines of Credit, Variable Rate loans and credit cards are eligible for a .25% discount with automatic transfer from either share draft, share account with ACH payroll deposit or payroll deduction. Additional discounts are available. Rate will increase if automatic transfer or payroll deduction is discontinued.

A personal loan can be used for various purposes, such as debt consolidation, home improvements, medical expenses, wedding expenses, travel, major purchases, and emergency needs. It provides funds to cover your expenses and is typically repaid over a fixed period with interest. Look for a loan with a fixed interest rate that doesn’t fluctuate, so you can predict your future payments.