Earn your eLife rewards
Welcome to eLife! Start earning 5.00% APY*
Ensure you qualify for 5.00% APY* on your checking account balance, get reimbursed for ATM fees, and more!
1. Enroll in eStatements
Get digital account statements securely in Digital Banking. You’ll be able to manage your account online or on your mobile device anytime, anywhere!
Enroll in Digital Banking
Or get the HawaiiUSA FCU Mobile Banking App
If you've already enrolled in Digital Banking but don't yet have eStatements, follow these steps:
2. Choose ONE of these: Direct Deposit, ACH, or Bill Pay
Direct Deposit
Get your paycheck or other recurring income electronically deposited to your eLife Checking account. No checks needed!
ACH (Automated Clearing House)
Electronic withdrawals or deposits directly to your eLife Checking account. These can be one-time or recurring, but we recommend recurring to ensure you qualify for eLife rewards each month. Example: pay your electric bill automatically from your eLife Checking account.
Bill Pay
Easily pay people or bills using this feature in Digital Banking. These can be one-time or recurring, but we recommend recurring to ensure you qualify for eLife rewards each month.
3. Make 10 debit card purchases each month
Get your Digital eLife Debit Card instantly!
With Digital Card Issuance your card is available in seconds and can be added directly to your Mobile Wallet.**
How it works
- Log in to Digital Banking
- Access your Card Controls
- Securely add your card to your Mobile Wallet
Make 10 debit card purchases within the qualification cycle:
- Includes point-of-sale (POS) purchases in stores or online
- Includes Peer to Peer payments, if they are made through your eLife Debit Card
When your physical card arrives
Your plastic debit card is on its way and should arrive in the mail within 7-10 business days.
Activate your card and set up a PIN
- Call 1 (800) 631-3197 or international 1 (727) 540-9434
Track your progress
eLife Checking Account Rates
| Dividend Rate | Annual Percentage Yield (APY*) | |
|---|---|---|
| Base Rate - Paid on entire balance if qualifications are NOT met | 0.01% | 0.01% |
| $0 to $10,000.00 - If qualifications are met | 4.88% | 5.00% |
| $10,000.01 or more - If qualifications are met | 0.05% | 0.05% |
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.
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.
**Digital Card Issuance is subject to account verification and security protocols. Currently only available for Apple Wallet® and Google Wallet™.
