Open a youth savings account and we’ll kick-start it with a $25 bonus. Get started
Open a youth savings account today and earn a $25 bonus—limited-time summer offer. Get started

Smart with money. Ready for life.

Grow your financial confidence step by step, with banking tools designed to help you manage life, school, and work responsibly.

Age 17+

When you’re ready to deposit your first paycheck, you’re ready to take responsibility with your first checking or savings account.

Age 18-20

Start building credit wisely with tools designed for young adults and first-time credit users.

Age 21+

Real independence; real progress with banking solutions that support your financial goals.

Money confidence starts here

Kasasa Cash Back Checking

If you’re earning a paycheck, why not earn rewards?

Get Kasasa
 

1% Cash Back Credit Card 

Build credit while earning rewards. Starting at age 18 with a cosigner, or independently if you have ability to repay.

Explore credit cards
 


Youth Savings Account

This simple, safe account welcomes you to the HawaiiUSA family! Unlock membership benefits and a safe place to build your emergency fund.

Open savings account
 


Scholarships

$44,000 in college scholarships available each year. Become a member today and see if you’re eligible to apply!

Learn about scholarships

Frequently asked questions

Starting at age 17 with the proper identification, you are eligible to open checking, savings, and certificates on your own.

You'll need one of the following valid forms of identification:
  • State of Hawaii Driver’s License
  • Out of State Driver’s License
  • State of Hawaii Identification Card
  • Out of State Identification Card
  • Military Identification Card
  • Military Civilian Identification Card
  • Resident Alien Identification Card
  • United States Passport
Starting early helps build financial security, prepare for emergencies, and develop strong money habits over time.
Young adults can build credit by using a credit card responsibly, making on-time payments and keeping balances low. Check out our How to Build Good Credit Without Going Into Debt article to learn more best practices.
Many teens and young adults open their first bank account when they start earning money or want to begin saving independently.