"Great service, made us feel like family. Very professional and knowledgeable. Thumbs up for having that 'local' style."
- Clyde
A secure and convenient place to keep your money.
Get more than just a checking, mobile banking, and overdraft protection from your financial institution. HFS is here to help you achieve your financial goals and make your life easier by providing convenient and secure account access.
Checking accounts are a convenient way to store your funds and keep track of your daily spending. This account is perfect to use as your transaction account – to pay your bills and other expenses by using your debit card, writing checks, or through ACH transactions. Set up Direct Deposit from your workplace to have your paychecks easily deposited into your account and use Online Banking to securely manage your funds, pay bills, and more.
Why Open a Checking Account with HFS?
When you open a checking account with HFS, you will enjoy the benefits of an account that is simple and easy to use. Getting cash at an ATM is easy when you can visit any Bank of Hawai‘i ATM, the largest network in the state. Need a debit card? We can issue a card in branch and have it in your hand and ready to use on the same day. No need to worry about a minimum balance. You can even deposit checks on the go with mobile deposit on the HFS App. Managing your finances has never been easier.
Checking Account Features & Benefits
Here's what you get when you sign up for a Checking Account:
Explore all the features
Experience simplicity: no hassles, no headaches
Unlimited check writing
Free custom checks with Direct Deposit to your account
HFS Visa® Debit Card
Surcharge-free ATM access at any Bank of Hawaii ATM1
Automate transfers from your Savings to your Checking or apply for a Line of Credit with Overdraft Protection2
Overdraft Protection and Courtesy Pay
At HFS Federal Credit Union, we offer two types of services to our members if ever an overdraft occurs called Overdraft Protection and Courtesy Pay. Both Overdraft Protection and Courtesy Pay are designed to help prevent members from having a transaction rejected due to non-sufficient funds. Both services are optional and members do not need to have one in order to have the other.*
More About Checking Accounts
Enhance your checking experience with these complementary Checking Account services:
Automatic Payroll Deduction.
A convenient way to automate your loan payments or monthly transfers from your paycheck.
Direct Deposit.
Electronically transfer payments from your employer or other payer directly into your HFS Checking or Savings Account, saving you the time and hassle of cashing checks.
Express Deposit and Night Drop.
Conveniently located deposit boxes available at all HFS locations to deposit checks or make payments 24/7.
Wire Transfers.
Electronically transfer money from your account to other financial institutions accounts around the world.
Visa Debit Card.
Easily access funds in your Checking Account for purchases or ATM transactions.
HFS Cards App.
Take control of your Debit Card usage and spending on the go. Turn your card on or off, set transaction limits and restrictions and receive potential fraud alerts.
Lehani from HFS helped me setup a checking and savings account! I love this credit union and will be sticking with it for a long time. Everyone here is very nice and helpful.
Ready to get an HFS Checking Account?
Open your Savings Account first, then simply add a Checking for free! Visit your nearest branch today.
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1Other fees may apply for out-of-network ATMs.
2Member must authorize Overdraft Protection, inquire with any Member Service Representative.
3Member must enroll in Online Banking and Mobile Banking to use Mobile Deposit. Standard message and data rates may apply. Check your carrier plan for details.
Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawai’i. A minimum opening balance of $50.00 is required to open a Savings Account.*The details on this page are meant for informational purposes only and are not intended to substitute for our Membership and Account Agreement and Overdraft Coverage document provided by the Credit Union. Members interested in the Overdraft Protection and Courtesy Pay programs should contact the Credit Union for more information. Overdraft Protection and Courtesy Pay are subject to additional fees.
Rates
| Dividend Rate | APY | Dividend Compounded | Dividends Credited | Dividend Period |
|---|---|---|---|---|
|
|
|
Monthly |
Monthly |
Monthly (calendar) |
Rates effective as of: May 22, 2025
Disclosures
APY= Annual Percentage Yield. The dividend rates and fees may change after the account is opened and are subject to change. Fees may reduce earnings.
| Fee Description | Fee Amount |
|---|---|
|
Checking Account(1)(2) |
No minimum balance, no monthly fee |
|
ATM Inquiry or Withdraw |
No Charge |
|
Replacement card |
No Charge |
|
Overdraft(2)(3) |
Free with Overdraft Protection, $25.00 per item without |
|
Official Check |
Five free per month, per member; $1.00 per additional check |
|
Non-Sufficient Funds(2) |
$25.00 per item |
|
Returned Check or Item |
$25.00 per item |
|
Stop Payment |
$25.00 per item |
Rates effective as of: May 22, 2025
Disclosures
(1)There is no fee to open an HFS Checking Account with an existing Savings Account. A minimum opening balance of $50.00 is required to open a Savings Account.
(2)Fees for overdrafts and non-sufficient funds are assessed, when applicable.
(3)Other fees may apply for out-of-network ATMs.
(4)Member must authorize Overdraft Protection. Ask any Member Service Representative to opt into this service.
Schedule of Fees and Charges- Consumer Accounts
Schedule of Fees and Charges- Business Accounts
All features
Experience simplicity: no hassles, no headaches
Unlimited check writing
Free custom checks with Direct Deposit to your account
HFS Visa® Debit Card
Surcharge-free ATM access at any Bank of Hawaii ATM1
Automate transfers from your Savings to your Checking or apply for a Line of Credit with Overdraft Protection2
No minimum balance
Free Mobile Deposit3
Verify your transactions with monthly statements or with 24/7 online and mobile access
Open a Checking Account
New Members
Ready to get an HFS Checking Account? Open your Savings Account first, then simply add a Checking for free!
Complete your application online or visit your nearest HFS branch.
For your convenience we have a Consumer Account Checklist with items you will need to open your account.
Current Members
Use the button below to log in to Online Banking and open a Checking Account online.
If you prefer to meet with a New Accounts Representative, or don’t have access to Online Banking, please visit us at your nearest HFS branch location.
Open Account
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