Benefits Checking

A checking account with added value and everyday protection.

Enjoy valuable protection and savings benefits for only $6.95 per month.

Account features

Benefits Checking includes a variety of protection and savings services.

Cell phone protection

CyberScout® identity theft resolution

Roadside assistance

Shopping, dining, and travel discounts

Up to $10,000 accidental death and dismemberment insurance

First box of standard checks free

Additional free standard checks with direct deposit

$10,000 Accidental Death and Dismemberment Insurance coverage is provided at no additional charge. Total coverage splits evenly among all authorized signers as indicated on the account opening signature cards. Insurance products are not deposits, not insured by the NCUA, not insured by any federal government agency, and not guaranteed by the credit union.

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 Benefits Checking account. The minimum deposit to establish your membership is $50 that goes into your savings account. This is a non-dividend earning account. Membership requirements apply.

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.

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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