50 Advantage Interest Checking

A checking account designed for members age 50 and better.

Account features

50 Advantage Interest Checking includes benefits designed to make everyday banking easy.

Competitive interest on your checking balance

No minimum balance required

No monthly service charge

First box of standard checks free

Additional free standard checks with direct deposit

Overdraft protection

Access to Courtesy Pay

Online and mobile banking access

Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. Minimum opening deposit is only $50. Ask us for details. Credit union rules and regulations apply. Offer good on personal accounts only; ask us about outstanding options for your business or organization.

Must establish membership prior to opening a 50 Advantage Interest Checking account. The minimum deposit to establish your membership is $50 that goes into your savings account. Membership requirements apply. 50 Advantage Interest Checking accounts are open to adults age 50 and over.

Open Any New Checking Account for a Chance to Win a Prize!*

You could win an Island BBQ Bundle!

Americana Walk-A-Bout Charcoal "Original Square Grill"
Expert Grill^TM Stainless Steel Grilling
Engraved Wooden Cutting Board
$50 KTA Gift Card

*No purchase necessary to win and will not increase your chances to win. Entrants must be 18 years of age or older. Limit one entry per person. Hawaii Community Federal Credit Union employees and their immediate families are not eligible to win. Entries accepted May 18, 2026 through July 5, 2026. One Island BBQ Bundle will be awarded at each branch, for a total of six prizes. Americana, Expert Grill^TM and KTA are not participants or sponsors of this promotion. No cash equivalent, substitution, or transfer of prize permitted. Winner of the prize may be issued a 1099-INT or 1099-MISC. Visit one of our branches or www.hicommfcu.com/officialrules for full terms and conditions.

Open an Account

Frequently Asked Questions

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How do I order checks?

You can order checks online here.

What is Overdraft Protection?

Overdraft Protection at Hawaii Community Federal Credit Union applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another savings account you may have at Hawaii Community Federal Credit Union at no charge or from your line of overdraft Protection at Hawaii Community Federal Credit Union applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another savings account you may have at Hawaii Community Federal Credit Union at no charge or from your line of credit subject to interest charges.

What is Courtesy Pay?

This program saves you the inconvenience of having your checks or other transactions returned due to insufficient available funds in your account. With Courtesy Pay, your transaction may get paid even if you do not have sufficient available funds in your account. You avoid the embarrassment, the hassle and better yet you avoid the merchants’ Non-Sufficient Funds (NSF) fees.

Tools to help you reach your goals

Security Center

Security Center
Financial Goals

Financial Goals
Calculators

Calculators
FAQs

FAQs

Home Budget Calculator

Find areas where you can improve your finances.

Refer Friends

When they open a checking account, you'll get a gift card, and they'll be entered to win a prize!

Mobile Banking

Bank on your time

Pay bills, deposit checks, transfer money and more - quickly and easily.

Learn More