Checking Accounts.

Check out all the conveniences of a checking account with HCFCU. Available in lots of choices to meet your checking needs.

CHECK ADVANTAGE.
It's just about the most feature-packed checking account you'll find anywhere. The Check Advantage checking account from Hawaii Community Federal Credit Union is available to you 24 hours a day, seven days a week, using our InstaCheck Debit Card, e-branch online services or our CALL24 telephone teller. And of course, every checking account comes with one of the best perks of all: lower fees than most any financial institution. Check out these great features:

• No minimum balance
• No monthly service fee
• E-Branch Online Services
• Online Bill Payment available
• Check images available online (limited to past 90 days only)
• CALL24, 24 hour phone teller system
• InstaCheck Debit Card
• Earn ScoreCard points toward inter-island travel, electronics and more
• Overdraft protection available*
• Direct Deposit available
• Complimentary checks on selected styles with net payroll/direct deposit
• Duplicate copy of checks for easier recording
• Discount gas card available*

• Up to $50,000 Common Carrier Coverage
• Up to $10,000 Accidental Death and Dismemberment Insurance
• America at 50% Discount Travel Book
• Auto Rental Discounts
• Contact Lens Discounts
• Travel Reservation Service
• Bonus Travel Dividends
• Lost Luggage Locator Service
• Price Guarantee
• Personal Shopper
• Automobile Trip Routing Service
• Medical Information Card
• No Minimum Balance
• No-Fee Cashiers Checks
• Unlimited Check Writing
• Free InstaCheck Debit Card
• Preferred rates on loans (Line-of-credit and VISA® loans excluded.)
• Credit Card Registration Service
• Lost Key Return Service
• Eyewear Discount
• Pharmacy/Prescription Discount
• Extended Warranty
• 90-Day Product Protection

MONEY MANAGER CHECKING.
Our Money Manager Checking Account gives you high dividend yields while ensuring easy access to your money. Withdrawals can be made anytime without a penalty. A minimum $5000 average daily balance must be maintained in order to avoid a $20 monthly fee. See current rate schedule for annual percentage yield and more information. 

PREMIUM SAVER CHECKING.
Our Premium Saver Club checking was created expressly for members who maintain balances of $100,000 or more in their savings or checking accounts. See current rate schedule for annual percentage yield and more information. 

SHARED BRANCHING: SHARING THE CONVENIENCE.
Our statewide Shared Branching Hawaii Network gives you many additional credit union branches throughout the Islands that you can access as you would your home branch of HCFCU. Or, if you're traveling on the Mainland, you can access a convenient branch of our CU Service Center, giving you the same share branching conveniences nationally and in some international locations. You can make deposits and withdrawals, transfers between accounts, get statement printouts, make loan payments and much more! Whether you're traveling for just a few days or permanently relocating, Hawaii Network and CU Service Centers lets you maintain the benefits of HCFCU membership, no matter where you happen to be.

   
See the most current list of participating branches.

Debit or Credit:  What’s the difference? Debit • Processed through ATM Network • You can get cash back from your available checking balance up to the merchant’s limit. • You must key in a personal identification PIN to authorize the sale. Credit • Processed through the Visa® network. • You must sign to authorize the sale. • You can earn ScoreCard points on all signature-based transactions. Which is better? “Credit” transactions are more efficient and less costly to your credit union than debit transactions. For a financial cooperative, any cost savings are returned to our members in the form of lower loan rates, higher dividends and new and improved products and services—all strictly for the benefit of our members. Bottom line: If you don’t need cash back, choose “Credit.” INSTACHECK DEBIT CARDS. Make purchases without writing a check. InstaCheck Debit Cards look like a VISA® credit card, act like a credit card, but debit your purchases from your checking account, so you don't have to write a check. You can also use it at any ATM where the VISA®,STAR® or PLUS® logo is displayed. There are no annual fees, interest to pay or monthly bills. Save time and get greater convenience with InstaCheck Debit Cards. ScoreCard benefits. It's easy to rack up ScoreCard rewards with your InstaCheck debit card. Every time you use your debit card to make a purchase you can accrue reward points redeemable for everything from interisland travel (with no blackout dates) to cooking lessons. There's no annual fee or hidden costs. You can even share points among eligible family members. When you make a point-of-sale transaction, tell the merchant you want it processed as "credit" and you'll see the points add up. Fast. Check your points total on www.ScoreCardrewards.com. You're already enrolled! It's the no-cost, automatic way to rack up points every time you use your debit card!

ONLINE BILL PAYMENT with E-Branch Online Services.
Greater convenience is yours when you pay bills online through your HCFCU checking account. All Online bill payment transactions are free. Pay individually or set them up to be paid automatically on a date you specify. Either way, you'll find online bill payment to be the ultimate in convenience, whether you're home or away.

FREE CHECK IMAGING.
You can look up front and back images of your paid checks via E-Branch Online Services at no cost, and print copies for your files. Saves you time and the charge to get copies of your checks at the branch.

RE-ORDER CHECKS ONLINE.
For your convenience, you can re-order checks on line here.

SMALL BUSINESS CHECKING.
Your small business checking account offers a number of great features including the payment of dividends on your balance if applicable. Your first supply of checks is free of charge (styles determined by HCFCU). A variety of check styles, along with laser and computer checks is available.

An HCFCU checking account offers you so many choices, services and benefits. Check it out today!