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  • Multiple account options

  • Simple, clear choices

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

You could win a Surf and Sun Dream Bundle!

  • Inflatable Paddle Board
  • Paddle Board Cooler Bag
  • Mini Body Action Camera
  • Beach Towel

*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 July 6, 2026 through August 16, 2026. One Surf and Sun Dream Bundle will be awarded at each branch, for a total of six prizes. 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.

Choose the right checking account for you.

We offer a range of checking accounts designed to meet different needs. Whether you are looking for a simple everyday account, earning interest, or added benefits, you can compare your options and choose what works best for you.

All of our checking accounts come with convenient digital banking tools and local support to help you manage your money with confidence.

Easy Free Checking

Free checking designed to make everyday banking simple and convenient.

50 Advantage Interest Checking

A checking account designed for members age 50 and better.

Performance Interest Checking

A checking account designed for members who want to earn higher interest.

Benefits Checking

A checking account with added value and everyday protection.

​None
None
$6.95 if balance below $2,500
$6.95
None
None
$2,500 to avoid fee
None
None
Competitive interest
Higher interest with $2,500+ balance
Not applicable
Free with direct deposit
1st box free (more with direct deposit)
Free standard checks
1st box free (more with direct deposit)
Everyday simple checking
Members age 50 or better
Members maintaining higher balances
Members wanting added protection and benefits
N/A
N/A
N/A
Cell phone protection, identity theft support, roadside assistance, AD&D insurance, discounts
​N/A
N/A
N/A
Account designed to provide added value that may offset monthly fee
Online Checking Ordering
Overdraft Protection & Courtesy Pay
Not sure which account is right for you?
A few simple questions can help guide your choice.
  • Looking for a no monthly fee option? Easy Free Checking may be a good fit
  • Age 50 or better? 50 Advantage Interest Checking offers added benefits with no monthly fee
  • Maintain a higher balance? Performance Interest Checking may help you earn more interest
  • Want added protection and perks? Benefits Checking includes additional services for a low monthly fee

Minimum opening deposit of $50. Other fees such as non-sufficient funds, overdraft, or additional service fees may apply. See fee schedule for details.

Account features, fees, and benefits may vary. Certain benefits may require enrollment, direct deposit, or meeting specific account requirements. Membership requirements apply.

Frequently Asked Questions

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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.

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

Refer Friends

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