Dividend Checking

Make your money work for you.

Designed for members who want to earn a return on their hard-earned money.

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Earn dividends

Minimum to open an account is $50, or $5 with direct deposit.

24/7 Digital Banking & online Bill Pay

Comes with free unlimited Bill Pay, Mobile App and Mobile Check Deposit.

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Unlimited check writing

Get a free box every year, and never worry about paying per-check fees.

Visa® Debit Card

Each card features EMV chip technology.

Skip the $5 monthly service fee

With a minimum average daily balance of $1,000 or at least 20 debit card purchases per month.

Unlimited surcharge-free ATMs

At all Hawaii State FCU and Bank of Hawaii ATMs.

New Member Promo

Open a savings and checking account with Direct Deposit or a Visa® Debit Card and receive $50!¹
Make ten (10) posted net purchase transactions with a Hawaii State FCU Debit Card within 30 days of checking account opening, or open a new checking account with a direct deposit of $100 or more within 60 days of account opening.
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1. Payment will be made to the savings account within 90 days after meeting conditions. Offer applies to primary new members only, with a limit of one per member. Payment is subject to IRS reporting requirements. Offer and new accounts are open to Hawaii residents only. Visit a branch or contact us for more information. See official rules. See the rates and terms of our checking and savings accounts.

Dividend Checking

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Min. Opening Deposit Min. Daily Balance to Earn APY APY¹
$50 or $5 with Direct Deposit None 0.02%
Disclosures
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1. The Annual Percentage Yield (APY) may change after the account is opened and is subject to change at any time without notice. Fees may reduce earnings.
Rates effective August 31, 2025

Hawaii State FCU Visa® Debit Card

Overdraft protection

Avoid overdrawing your checking account, or the embarrassment and unnecessary fees of returned checks.

Overdraft protection provides automatic coverage in the event you accidentally write a check and don’t have the funds to cover it. Funds are transferred in multiples of $100 from your Share Savings account or line of credit. Call or visit a branch to enroll in overdraft protection.

Check reorders

Out of checks? No problem. Simply use the button below to order another box of checks. You will need to provide your account number and the Hawaii State FCU Routing Number: 321379041.

Direct Deposit

To enroll in Hawaii State FCU’s Direct Deposit program through your employer, complete the enrollment form and return it to your payroll office. Alternatively, contact your employer’s payroll or personnel office to inquire about Direct Deposit availability and provide them with the Hawaii State FCU Routing Number: 321379041.

Ready to open your checking account?

Apply online

Visit a branch