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Checking Accounts

"So fortunate we have an awesome and very understanding credit union that will do all it can to help their members in whatever needs they may have."

- Grace


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.

— Parker

Frequently Asked Questions

  • 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.

    Contact Us

  • 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.

Ready to get an HFS Checking Account?

Open your Savings Account first, then simply add a Checking for free! Visit your nearest branch today.

  • 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.

    *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.