Free and basic personal checking account

No monthly service fee or an account setup fee

No minimum balance

There's no balance requirement after an initial deposit of $20 or more

Free HawaiiUSA FCU Debit Mastercard®

Comes with Zero Liability Protection for fraudulent purchases

Go mobile with your payments

Connect your Debit Mastercard® to your Mobile Wallet for easy, secure transactions

Basic, free checking from HawaiiUSA Federal Credit Union.

You're in control with this checking account

Frequently asked questions

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.

Checking Account Resources


Membership restrictions apply