When it comes to your money, your checking account isn’t just for paying your bills.

Earn rewards such as cash back or higher interest on your balance.

eLife Checking Account

A checking account for those who tend to keep a higher balance. Earn more with its healthy interest rate while also benefiting from a wide range of free services.

  • Earn 5.00% APY for balances up to $10,000†
  • Refunds on ATM fees nationwide (up to $20/month)**
  • No set-up fee, monthly account service fee or minimum balance requirement (after account opening)
  • Digital Banking access to help manage your money anytime, anywhere
  • Free Mastercard® Debit Card
  • Mobile Wallet enabled for contactless payments
  • Free box of checks every rolling 12 months
  • Peace of mind with ID Theft Restoration included with your checking account
  • Easy qualifications

 

Kasasa Cash Back Checking Account

A special free checking account that puts money back in your pocket by allowing you to earn 2.50% cash back on debit card purchases plus refunds on ATM withdrawal fees everywhere you go, nation-wide! So, the next time you’re picking up lunch? Earn cash back. Filling up at the pump? Catching up with friends? Earn cash back. Kasasa Cash Back Checking makes your daily spending a lot more fun and rewarding.

  • Earn 2.50% cash back on your purchases (up to $10/month)§
  • Refunds on ATM fees nationwide (up to $20/month)*
  • Digital Banking access to help manage your money anytime, anywhere
  • Free Mastercard® Debit Card
  • Mobile Wallet enabled for safe, secured contactless payments
  • Easy qualifications

 

Looking for a little more in-person help?

Need assistance opening an checking account or deciding which rewards checking account is the right one for you? Schedule an appointment and come see one of our friendly account experts at any of our branches across the State.

§ Kasasa Cash Back Checking Disclosure

See the Kasasa Cash Back® Checking Qualification Cycle

*Up to $10/month. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle. We will reimburse up to $20.00 for nationwide ATM withdrawal fees incurred on your Kasasa Cash Back account during the monthly qualification cycle. Additional terms and conditions apply. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 2.50% cash back on up to a total of $400.00 on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Please refer to the current “Schedule of Fees and Charges” for account fees and information. Trademarks: Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

† eLife Checking Disclosure

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.

** Refunds on ATM fees nationwide (up to $20) each month when qualifications met. 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.