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

Withdraw cash at machines nationwide and we'll reimburse the fee

With eLife, checking has never been more rewarding.

eLife Checking by HawaiiUSA Federal Credit Union provides the functionality and value you need

  • No set-up fee, monthly account service fee, or minimum balance requirement (after account opening)

  • Receive up to $20 in ATM refunds each month****

  • Use Mobile Wallet for quick, encrypted contactless payments in-store and online

eLife Checking Account Rates

Dividend Rate Annual Percentage Yield (APY)
Base Rate10.01% 0.01%
Tiered Balances to Earn APY2Dividend RateAnnual Percentage Yield (APY)
$0 to $10,000.004.88%5.00%
$10,000.01 or more0.05%5.00% - 0.25%**

How to earn rewards

Meet three simple requirements each month:

Make 10 Debit Card purchases
Receive eStatements
Use one of these: Direct deposit, ACH debit/credit, or HawaiiUSA Online Bill Pay

Frequently asked questions

To earn the premium interest rate on your eLife Checking account:

  1. Set up direct deposit
  2. Use your eLife debit card for the required number of transactions
  3. Monitor your account activity
  4. Contact HawaiiUSA if needed.

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 March 1, 2023 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.


Comparison based on HawaiiUSA eLife 5.00% APY vs. the credit union national average Interest Checking rate (0.17%) as of 2/28/2023 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.


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.