| HiFlex | Simple Checking | Dividend Checking | Relationship Checking | |
|---|---|---|---|---|
| Best if you want | A flexible account with no overdraft fees. | An easy-to-use and simple-to-manage checking account. | An account that earns dividends. | An account that rewards you for your deposit and loan balances with us. |
| No monthly service fees | Avoid the $5 monthly service fee with eStatements or direct deposit. | Avoid the $5 monthly service fee with eStatements, direct deposit, or if you are age 55. | Avoid the $5 monthly service fee with at least 20 debit card purchases a month or a minimum average daily balance of $1,000. | Avoid the $20 monthly service fee with combined deposit and loan balances totaling $25,000 (excluding mortgages). |
| Earns dividends |  | |
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| Free Visa® Debit Card with EMV Chip and mobile card controls | | | | |
| Free unlimited ATM withdrawals at all Hawaii State FCU and Bank of Hawaii ATMs | | | | |
| Rebate for domestic third party ATM surcharge fees, up to $5 per transaction and $20 per statement period | |
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| Up to 1% cash back on debit card purchases | |
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| Free Digital Banking, Mobile App, and Mobile Check Deposit | | | | |
| Unlimited Check Writing and Bill Pay | | | |
|
| Learn more | Learn more | Learn more | Learn more |
| heDDER | heDDER | heDDER |
|---|---|---|
| Min. Opening Deposit | Min. Daily Balance to Earn APY | APY¹ |
| $50 or $5 with Direct Deposit | None | 0.02% |
| heDDER | heDDER | heDDER | heDDER |
|---|---|---|---|
| Balance | Min. Opening Deposit | Min. Daily Balance to Earn APY | APY¹ |
| $0 - $9,999.99 | $2,500.00 | None | 0.02% |
| $10,000 - $24,999.99 | $2,500.00 | $10,000.00 | 0.02% |
| $25,000 - $49,999.99 | $2,500.00 | $25,000.00 | 0.02% |
| $50,000 and above | $2,500.00 | $50,000.00 | 0.03% |
All of our checking accounts except HiFlex come with unlimited check writing. A box will be mailed to you when you open an account.
The minimum opening deposit is $50 for our HiFlex, Simple Checking, and Dividend Checking accounts – or just $5 with Direct Deposit.
This depends on the method of deposit (ie, cash, check, Direct Deposit, etc). If you have questions about your account, contact Member Services via chat or call (808) 587-2700.
