Open a Checking Account
Aloha and thank you for thinking of HFS Federal Credit Union!
Aloha and thank you for thinking of HFS Federal Credit Union!
New Members
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.
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.
Here's what you get when you sign up for a Checking Account:
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.
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.
Enhance your checking experience with these complementary Checking Account services:
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 branch.
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.
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 Hawaii. A minimum opening balance of $50.00 is required to open a Savings Account.
Excellent the way you have kept it straightforward and simple. we belong to another cu that installed many improvements???? that increased complexity, eliminated many good features and added things that were not very effective and annoying at the same time
I've been a member at HFSFCU for almost 5 years now. I've never encountered any issues with my bank, Saving & Checking bank accounts, or Loan!
You folks are over the top with rules to complete simple transactions. Sure, you can find some reason to justify taking off hats and glasses, showing i.d. and signing pad, and for every single transaction, but this is overkill and adds to your inefficiency. Folks leave items behind. You have cameras and police artists can draw amazing images from little data. Added to this issue is that counters, especially drive-thru, are not staffed to meet demand, but rather to meet bank convenience. Longest waits and most inefficient drive-thru I've ever seen.
One complaint, however: told 7 days to receive new checks. took 17 days.. Not told about printer's delay in shipping a week later. Caused embarassment.
No interest on a checking account is not desired or competitive
Have several loans over the many years.. Would recommend to anyone looking for a loan
Our checking is linked to our line of credit and every time we have an overdraft from the checking it pulls from the line and sends us a paper statement which is really unnecessary. Email update would be fine. Its a waste of paper and stamp each time.
I've been overdrafted 6 times now, because I thought there was money in my account, when there actually wasn't. The reason I thought there was, is because I had checked it just before making the transaction, and HFS FCU's online banking system told me that I still had something in my account. It said I had more than enough to make my purchase. A lot more than enough. But then I overdrafted by less than $2, and then once again for a different amount... and then twice more! Now I owe $80!! I had not made any transactions in the past three days before this happened, so you'd think everything would already be posted onto my account, right? Wrong!
The actual banking service is great. Great rates on everything, good terms. But I've overdrafted $120 in the last 3 weeks, and I am extremely upset by this. Had I known the actual amount left in my account, I would not have made those purchases.
Checks are free and I have never had any difficulties associated with this account. In fact, recently a teller called to make sure a check of mine that someone was trying cash was on the up and up (it was!), so I felt like the bank has my back.
Never a mistake. Great and friendly staff. Lines move quickly.
We have our mortgage and two auto loans with HFS. All the staff are wonderful to work with. HFS is a very understanding bank and willing to work and help you with any problem you may have.
My bank location is like a refuge. These fine people are now part of the success of my business. I am in the HFS family!
Dividend Rate | Annual Percentage Yield (APY) | Dividend Compounded | Dividends Credited | Dividend Period |
0.00% | 0.00% | Monthly | Monthly | Monthly (calendar) |
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 |
(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
Existing members may open a Checking Account remotely by calling 930-1400 or visiting any of our six convenient locations. Our staff will get you set up and on your way in no time.
Members may use any Bank of Hawaii ATM surcharge-free.
Yes. With the Mobile Banking App you can manage your account, deposit checks, and more. Learn more about Mobile Deposit.
To order your first set of checks, members may call 930-1400 and speak to a Member Service Representative or visit any branch.
For any recurring check orders, you may simply place your order online.
Note: Additional information needed for online orders will be your account number, the Credit Union’s routing number 321378660 and the check number you would like your new book of checks to start with.
Stop payment requests may be done in-branch or by speaking with a Call Center Specialist by calling 930-1400. The fee for all stop payments are $25 per item.
Our custom checks are free to members with Direct Deposit.
HFS offers Overdraft Protection to qualified members as an extra line of defense for your Checking Account.
With Overdraft Protection, you’ll pay an Overdraft fee for each overdrawn transaction, but you’ll avoid the merchant’s Returned Check fee and stay in good standing with the merchant’s you do business with.
Drop us a message anytime with your questions about Checking Accounts.
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