eLife Checking Account
Earn 5.00% APY* on balances up to $10,000
Spend and save from one account
Easy access for everyday spending
Built for real life, not extra effort
Spend and save from one account
Checking that earns 5.00% APY—so your money keeps working, even when you’re using it.
One account. Everyday access. Higher earning power.
Your money should work as hard as you do
Why separate your spending and saving? With eLife Checking, you get the earning power of savings and the convenience of checking—all in one simple account.
Built for life on the go
Your days are full. Your banking shouldn’t be complicated.
Whether you’re paying bills, grabbing coffee, or planning your next move, eLife Checking helps your money grow quietly in the background—without changing how you bank.
- High yield checking without the tradeoffs
- Mobile first, everyday ready
- One account that keeps up with your lifestyle
All perks; no hassle
- Earn 5.00% APY* on balances up to $10,000
- Nationwide ATM fee reimbursements**
- Mobile Wallet & Digital Banking
- No monthly service fee (after account opening)
One account. More earning power.
Open eLife Checking and let your money work harder.
eLife Checking by HawaiiUSA Federal Credit Union provides the functionality and value you need
- No set-up fee, monthly account service fee, or minimum balance requirement (after account opening)
- Receive up to $20 in ATM refunds each month**
- Use Mobile Wallet for quick, encrypted contactless payments in-store and online
- Manage your account using Digital Banking and the HawaiiUSA FCU Mobile App
- Choose Overdraft Protection to avoid possible fees and delays
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% |
How to earn rewards
Meet three simple requirements each month:
Frequently asked questions
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.
You must make at least 10 Debit Card transactions with your eLife Checking Debit Card each month.
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.
