Lower fees keep more money in your pocket

We're always transparent about our fees

With us, you're always treated as part of our 'ohana. That's why we keep our fees as low as possible, so you can get more for your money.

Here's consider

Effective Date: December 1, 2016

This Fee Schedule is applicable to all of your accounts at Hawaii Community Federal Credit Union as of December 1, 2016. This schedule is incorporated as part of your account agreement with the Credit Union. The following fees may be assessed in connection with your accounts.

Annual Meeting Tickets ................................................................................................ Price Varies
 
Automated Clearing House (ACH):
Stop payment on pre-authorized transfer (each item): ............................. $25.00
Non-sufficient funds (NSF) (each debit item) ....................................................$25.00
 
Automated Teller Machine (ATM): 
First card (also joint owner/member) .................................................................. No charge 
Additional card (each) ..................................................................................................... $5.00 
Defective card (each) ...................................................................................................... $5.00 
Lost card (each) .................................................................................................................. $5.00 
Stolen card (each) ............................................................................................................. $5.00
ATM access to share account (waived if average daily balance (ADB) maintained in account is $250 or more each month) ........................................................... $2.00

Overdraft Fee (per occurrence)
(any ATM transaction which causes the balance in your account to fall below, pledge amount or check hold amount) ............................................................. $25.00 Transaction Fee: 
CUTEL ATM .......................................................................................................................... No charge 
Non-CUTEL ATM (after first six transactions per month): 
ATM withdrawal ................................................................................................................ $1.00 
ATM transfer ........................................................................................................................ $0.50
 
Call24:
This phone teller system (CALL24) allows members to access their accounts by using a touch-tone telephone.
Monthly service ................................................................................................................ No charge Transaction ......................................................................................................................... No charge
 
Cashier’s Check (face value each):
$5,000 or less ................................................................................................................... $5.00
More than $5,000 .......................................................................................................... $7.00
Copy of paid check (per check) .........................................................................  $2.00
Stop payment order (per order) .......................................................................... $25.00
 
E-Branch Online Services:
Annual fee ..........................................................................................................................None
Monthly service charge............................................................................................. None
Each electronic account statement ..................................................................No Charge
Each VISA electronic statement ..........................................................................No Charge
Online bill payment:  Annual fee ........................................................................ None 
Monthly service charge ............................................................................................ None 
Transaction fee .............................................................................................................. None 
Stop payment (per order) ....................................................................................... $25.00 
Copy of check (per check) ...................................................................................  $10.00 
NSF (per occurrence) ..............................................................................................  $25.00
 
Facsimile Transmission (FAX) (each page):
Outgoing local transmission ............................................................................... $0.50
Outgoing interisland transmission .................................................................. $1.00
Outgoing mainland transmission ..................................................................... $1.50
Outgoing International transmission ............................................................. $5.00
Any incoming transmission ................................................................................. $0.50

InstaCheck Debit Card (upon approval):
Purchase or replacement: 
First card (also joint owner/member) .......................................................  No charge 
Additional card (each) ........................................................................................... $5.00 
Defective card (each) ............................................................................................ $5.00 
Lost or stolen card (each) .................................................................................. $5.00
Special Card Handling (each) ........................................................................  $25.00
Overdraft (per occurrence) .............................................................................. $25.00
Draft Retrieval Request (Sales Slip Copy) (each) .............................. $12.00
 
Legal Notice Processing:
Tax lien (per occurrence)................................................................................  $20.00
Garnishment (per occurrence) .................................................................... $20.00
 
Money Order:
(per order up to $1,000) (Fee waived if member has direct deposit or net payroll with Credit Union, maximum  4 per day) ............................................... $1.00
 
Non-electronic Bill Payment:
Stop payment order (per order) .................................................................. $25.00

Not-for-Profit Club/Corporation Account:
Below minimum balance (per month) ................................................................... None
 
Notary Public (per day):
Up to 3 notarizations (per member only) ........................................................... No charge
Each notarization beyond 3 (per member only) ........................................... $5.00
Non-members .................................................................................................... As set by Hawaii Law
 
Photocopy (per page).................................................................................................... $0.25
 
Safe Deposit Box:
Deposit (per box) ............................................................................................................. $25.00
Annual rental (per box): 
3” X 10” X 22” box.............................................................................................................. $35.00 
5” X 10” X 22” box.............................................................................................................. $50.00
Replace lost or stolen key and refit with a new lock  ............................  Actual Cost
Late payment of annual rental (one time fee) ............................................. $5.00
 
Share Account:
Below minimum ADB fee (per month) .............................................................. None
 
Checking Account:
Below minimum ADB fee (per month) ............................................................... None
 
Money Manager Checking and Savings Accounts:
Below minimum ADB fee (per month) ............................................................ $20.00
 
Premium Saver Checking and Savings Accounts:
Below minimum ADB fee (per month) .......................................................... $20.00
 
Checking, Money Manager Checking
& Premium Saver Checking Account Fees: 

Copy of cancelled check (per check) ........................................................... $2.00
NSF (per occurrence) .............................................................................................. $25.00
Overdraft (per occurrence) ................................................................................. $25.00
Stop payment order (per order) (waived if stolen) .............................. $25.00
Hard copy history (per page) ............................................................................. $2.00
Starter kit (each) (waived for new accounts) ........................................... $3.00 Checks .............................................................................................................................. Varies
Statement copy (each) .......................................................................................... $5.00
Check Advantage Plus fee (per month) ..................................................... $5.00

Travelers Check:
Single signature travelers check (waived if member has direct deposit or net payroll with Credit Union, or purchased from loan proceeds of $500 or more) ............................................................................................................................................. 1% of face amount
 
Wire Transfer:
Wires received ........................................................................................................ No charge
Domestic wires (regular, recurring and third-party): 
$0 to $4,999.99 wire amount (each) .......................................................  $25.00 
$5,000.00 and greater (each) ......................................................................  $40.00

International wires 
$0 to $4,999.99 wire amount (each) ......................................................  $80.00 
$5,000 and greater (each) ............................................................................  $100.00
 
Other Service Fees:
Abandoned property (per item, per month)………………..........................$5.00
Account closed within 90 days of open date  (per account) . $20.00
Account statement copy (each) ..............................................................  $5.00
Check accepted subject to collection (per check) ...................... $25.00
Copies of canceled checks (per month) ............................................. $5.00
Copy of deposited check................................................................................$10.00
Courtesy Pay Fee (per occurrence) ....................................................... $25.00
Deposit item returned (per item) ............................................................. $10.00
Non-current address (per month, per account) ............................ $5.00
Inactive fee (per month)……………………………….............................................………$5.00
Research and reconciliation of any account (per 15 minutes or fraction thereof) ........................................................................................................................................ $6.00
Signature Guarantee…......................................................................................No Charge

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