Check Advantage

Manage your bills and set yourself free from fees. 

Our free checking account is all about you

Ready for a checking account that works for you, not against you? Checkout Check Advantage, our free checking account that's convenient whether you're on Hawaii Island or anywhere else.
No minimum balance requirements
No monthly service fee
Includes access to all e-services
Make your money work harder for you.
Earn interest on your deposits while maintaining access to your funds.
Money Manager Checking

Valuable features and no hassles

When you need a daily checking account, you need one that allows the most flexibility. With Check Advantage, you don't have to worry about your minimum balance or any maintenance fees. Plus, you still get all the tools you need to manage and access your money simply, because you're part of our 'ohana.

  • Free access to eBranch Bill Pay1. Click here to learn more about eBranch Bill Pay
  • Eligible for Overdraft Protection and Courtesy Pay. Click here to learn more about Overdraft Protection and Courtesy Pay
  • Includes a VISA® Debit Card. Click here to learn more about our Debit Card
  • Access more than 25,000 surcharge-free ATMs nationwide2

Open your Check Advantage account3 and discover a better way to manage your money every day.

  • Free access to eBranch Bill Pay1.
  • Eligible for Overdraft Protection and Courtesy Pay.

1 eBranch Bill Pay is a free service for our members, Use of this service may cause NSF and overdrafts within your account which in turn will cause service charges. Please see current fee schedule for charge.
2Via the CO-OP Network.
3 Must establish membership prior to opening a Check Advantage Account. The minimum deposit to establish your membership is $50 that goes into your Savings Account. Approval for account given through TeleCheck.

This is a non-dividend earning account.

Frequently Asked Questions

You can order checks online here.
 

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 & resources for you.
Calculators
Budgeting Calculator
See how you spend your money and whether you have any left to save to find ways to improve your finances. 
KOFE
Learning Center
Create a better financial foundation with this free online resources and educational tools to help you elevate your financial well-being.
Mobile Banking
Bank on your time.
Pay bills, deposit checks, transfer money and more - quickly and easily.
Learn More
Join our ohana.
Together, we can do great things.
Learn More