Earn 2.50% cash back*

Every qualifying Debit Card purchase rewards you

Enjoy free checking

You won't pay any monthly service charge

Online tools at your fingertips

Digital Banking tools such as block/unblock, and more

Easy contactless payments

Link your Debit Card to your Mobile Wallet for fast, safe purchases

Grow your money with a Share Certificate Learn more

A checking account that rewards you in more ways than one.

Take your checking account to a higher level, through HawaiiUSA Federal Credit Union

  • Use your Debit Card to accumulate more cash back rewards
  • Manage your account through Digital Banking and the HawaiiUSA FCU Mobile App



How to earn rewards

Meet three simple requirements each month to earn rewards and ATM refunds:

Make 15 Debit Card purchases
Receive eStatements
Use one of these: Direct deposit, ACH debit/credit, or HawaiiUSA Online Bill Pay

Frequently asked questions

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.
See the qualification cycle schedule. Learn more about Kasasa qualifications and rewards.

To get rewarded from your HawaiiUSA checking account, you can choose from Kasasa Checking that rewards you with cash back on purchases, or eLife Checking that helps you earn higher interest on your balance.

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.

See the qualification cycle schedule. Learn more about Kasasa qualifications and rewards.

Kasasa Cash Back accountholders will qualify for rewards when they meet the following requirements during the qualification cycle:

  • Use your Kasasa Debit Mastercard® for 15 or more debit card purchases
  • Receive one or more direct deposits, ACH services and/or HawaiiUSA Online Bill Pay through your Kasasa Cash Back Checking account
  • Be enrolled in eStatements

See the qualification cycle schedule.

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.

An interest-bearing deposit account, such as savings, checking, or money market account, offers several benefits. It allows your money to grow over time as the account earns interest. This can help you build savings and reach your financial goals faster. Moreover, an interest-bearing account provides a safe place to store your money while still having easy access to it when needed. Some interest-bearing accounts may offer higher interest rates than others, allowing you to maximize your earnings. It's important to consider any fees or restrictions, and choose an account that aligns with your financial needs and goals.

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.

Checking Resources

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. 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.