1. The monthly service fee for the Relationship Checking Account is not charged if the primary member has a $25,000 combined balance at the Credit Union. The combined balance is calculated by adding the primary member’s average daily balances during the month for all consumer savings, checking and term share accounts, and the balances at the end of the month for all consumer loans, lines-of-credit, home equity lines of credit (HELOCs) and credit cards in good standing. Accounts must remain open at the end of the month to be included. Mortgages, business accounts and business loans are excluded. The Credit Union may determine the credit card balance on a date prior to the end of the month.
| 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% |
Get the most value for your membership when you combine a Relationship Checking and a Relationship MAXSM account, maximizng the power of both your loans and deposits.
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.
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.
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.
