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  • No monthly fee

  • Easy everyday banking

  • Access anywhere
Simple, convenient checking with the tools you need to manage your money with confidence.

Manage your money with ease.

Easy Free Checking from Hawaii Community Federal Credit Union gives you the flexibility to manage everyday finances with ease. Whether you are paying bills, using your debit card for purchases, or checking your balance online, your account is designed to keep banking simple.

With access to online banking, mobile banking, and a rewards debit card, you can manage your money anytime from anywhere.

Hawaii Community Federal Credit Union offers personal checking accounts designed to simplify banking, backed by trusted service throughout Hawaii.

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 an Easy Free 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 GrillTM 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 GrillTM 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.

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!

Mobile Banking

Bank on your time

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

  • Free to download

  • Bank on your time

  • Turn your device into a digital branch