You’ve made the wise choice by choosing eLife, the checking account that makes it easy to earn more.

Ensure you qualify for 5.00% APY* on your checking account balance, ATM fee reimbursements, and more! Here’s how:

1. Enroll in eStatements

eStatements are a feature of Digital Banking, so your first step is to enroll 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


New User Registration from HawaiiUSA Federal Credit Union on Vimeo.

2. Set up ONE of these: Direct Deposit, ACH, or Bill Pay

Direct Deposit

Get your paycheck or other recurring income electronically deposited to your Kasasa Cash Back account. No checks needed!

Set up Direct Deposit

ACH (Automated Clearing House)

lectronic withdrawals (debit) or deposits (credit) directly to your Kasasa Cash Back account. These can be one-time or recurring, but we recommend recurring to ensure you qualify for Kasasa rewards each month. Example: pay your electric bill automatically from your Kasasa Cash Back checking account.

Set up ACH

Bill Pay

Easily pay people or bills using this feature in HawaiiUSA Digital Banking. These can be one-time or recurring, but we recommend recurring to ensure you qualify for Kasasa rewards each month

Watch video on how to set up Bill Pay

3. Make 10 debit card purchases each month

Activate your card and set up a PIN

Call 1 (866) 985-2273 from your primary phone

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 Kasasa Debit Card

eLife Checking Qualification Cycle

Answers to common questions

Click here

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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%**

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.