eLife Checking Account
Earn 5.00% APY* on balances up to $10,000
Enjoy dividends significantly higher than industry average***
No monthly service charge
Keep more money in your pocket
Free ID Theft Restoration services
Extra protection provides you peace of mind
Refunds on ATM Fees
$20/month reimbursed to you when using out of network ATMs***
With eLife, checking has never been more rewarding.
eLife Checking by HawaiiUSA Federal Credit Union provides the functionality and value you need
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No set-up fee, monthly account service fee, or minimum balance requirement (after account opening)
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Receive up to $20 in ATM refunds each month***
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Use Mobile Wallet for quick, encrypted contactless payments in-store and online
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Manage your account using Digital Banking and the HawaiiUSA FCU Mobile App
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Choose Overdraft Protection to avoid possible fees and delays
eLife Checking Account Rates
| Dividend Rate | Annual Percentage Yield (APY*) | |
|---|---|---|
| Base Rate1 | 0.01% | 0.01% |
| Tiered Balances to Earn APY2 | Dividend Rate | Annual Percentage Yield (APY) |
| $0 to $10,000.00 | 4.88% | 5.00% |
| $10,000.01 or more | 0.05% | 5.00% - 0.25%** |
How to earn rewards
Meet three simple requirements each month:
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.
You must make at least 10 Debit Card transactions with your eLife Checking Debit Card each month.
Checking Resources
APY = Annual Percentage Yield.
APY is based on balances of $10,000.01 and $250,000.00. APY decreases on larger balances as dividends are earned at a lower dividend rate.
Rates are effective as of May 9. 2025, and are subject to change without notice. Minimum balance to open the account is $20.00. Fees may reduce earnings on the account.
Dividend Rate paid on entire balance if Transaction Qualifications are not met.
Dividend Rates paid for each tiered balance when ALL Transaction Qualifications are met for each qualification cycle.
Each month’s qualification cycle ends on the second to the last day of each month. The eLife Checking: Qualifications document—which contains the various qualification cycles and other important information—is available to download or can be obtained at any HawaiiUSA FCU branch. Your Debit Card transactions and direct deposit/ACH transactions must be posted or cleared on the account to be counted within each qualification cycle. It may take up to three business days before the transaction posts or clears the account.
