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.

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


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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 29.4x the national average interest rate – 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


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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.

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§ Kasasa Cash Back Checking Disclosure

Up to $10/month. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $20.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. We will reimburse ATM surcharges in excess of $4.99 per transaction upon presentment of the receipt displaying the ATM surcharge within sixty (60) days of the ATM transaction, and as long as it does not exceed the $20.00 maximum limit. Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" is a period beginning one (1) business day prior to the start of the current statement cycle (first calendar day of each month) through one (1) business day prior to the close of the current statement cycle (last calendar day of each month). See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates. 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. At the discretion of the Credit Union, if your Kasasa Cash Back Account does not meet the qualifications for three (3) consecutive months, the account will be converted to a regular Share Draft Account after the last calendar day of the third month if the qualifications for the third month are not met. Once your Kasasa Cash Back account is converted, it is subject to the terms and conditions in effect for the regular Share Draft Account. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you, as determined by the Credit Union Board of Directors. No minimum balance is required to earn or receive the account's rewards. Rewards less than one (1) cent cannot be distributed. Additional Information: Membership restrictions apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. A $20.00 minimum deposit is required to open the account. Receive one or more direct deposits, conduct one or more ACH debits/credits, or make one or more payments using HawaiiUSA Online Bill Pay payments through this Kasasa Cash Back Account Enrollment in electronic services (e.g. digital banking, e-statements) are required to meet some of the account's qualifications. Limit of one (1) Kasasa Cash Back account or any other dividend or reward checking account per member account. Accounts closed within the first ninety (90) days will be assessed a $25.00 Early Closure Fee. A fee will be assessed for overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Please refer to the current “Schedule of Fees and Charges” for additional account fees. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Visit our website or contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. National Credit Union Share Insurance Fund. Member accounts in HawaiiUSA FCU are federally insured by the National Credit Union Share Insurance Fund. 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 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.