FAQs

All of our branches feature surcharge-free ATM access. Additionally, we've joined multiple Hawaii credit unions in a statewide network that makes it easy for you to find ATMs.

And when you're traveling across the U.S., Puerto Rico and Canada, you can quickly find the closest of more than 30,000 surcharge-free ATMs through the CO-OP Network.

• Download CO-OP's free app for your iPhone or Android to find in-network ATMs and shared branch locations
• Call (888) SITE-COOP for the nearest surcharge-free ATM

No matter where you travel, we can help you find ATMs that don't gouge you with fees
 

The maximum daily ATM withdrawal from an ATM is $500.00. If you need to withdraw a larger amount, please visit a branch.
 

Yes, our ATMs accept both cash and check deposits.
 

This is our traditional Bill Pay service, where vendors are paid out of your designated checking account without you having to write a check. Ideal for those payments that cannot be made with your HCFCU Debit or Credit card.

Features:

• Schedule one-time or automatic recurring payments and choose the date the payment will be received by the recipient
• Schedule payments in advance
• Schedule bill reminders
• View your bill pay history
• Utilize E-bills to view your monthly billings within your bill pay account

 
Bill Pay can be accessed online with eBranch or from the Mobile Banking App.  Simply go to the “Transfer & Pay” section of the main menu and select “Bill Payment” to get started today at no extra charge.

1. Select “Bill Payment” under “Transfer & Pay” in your Online Banking menu
2. Select the checking account to use, and click on “Enroll in Bill Pay”
3. Add your payee & schedule a payment.
4. Schedule a payment.

 

Hawaii Community Federal Credit Union proudly offers Small Business Accounts for the following business types:

• Non-Profit Organizations
• Associations
• Sole Proprietorship
• Partnerships
• Corporations
• Limited Liability Companies
• Limited Liability Partnerships

You can contact us during business hours at 808-930-7700 or after hours at 800-514-2328.
 

With CardSwap you can update the preferred payment method for all your favorite digital services, like Netflix, Amazon, Disney+, and more* - All at the same time, and all in the same place.
 
Expired or New Card? No Problem!
 
Add the digital services you pay with your HCFCU Debit and/or Credit Card to CardSwap.  If there is a change to your card, no sweat – No need to go to the website for each online services to make the change, simply swap the existing or expired card to the new card with a touch of a button and you can get back to doing what you love.

Features:

• Manage your online subscriptions for multiple online vendors in one place
• Enrollment is easy, just add your HCFCU Debit and/or Credit card and add your services.
• Over 60 of your favorite online shopping and streaming services are available, including Hulu, Netflix, Uber, Disney+ and more.  

  *None of the listed companies are associated with, sponsor, or endorse this product.
 
CardSwap can be accessed online with eBranch or from the Mobile Banking App. Simply go to the “Transfer & Pay” section of the main menu and select “CardSwap” to get started today at no extra charge.
 

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.
 

If youʻre committed to serving our membersʻ best interests and bringing your light of positivity to our ohana, we want you to see the opportunities here at our credit union. Find out more about job openings on our employment page.
 

Phone Numbers

• Main Number: 808-930-7700, Toll-Free: 800-514-2328        

Lost/Stolen VISA^®

• During Business Hours: 808-930-7700, After Hours: 833-933-1681    

Mailing Address:

73-5611 Olowalu Street, Kailua-Kona, HI 96740
 

Hawaii Community Federal Credit Union's routing number is 321379818.
 

We offer notary serives at all our branches. We recommend you call ahead to schedule an appointment at 808-930-7700.

 

We all want peace of mind when it comes to keeping our hard-earned money in savings accounts. Your Hawaii Community Federal Credit Union accounts are safe with us and insured by the NCUSIF for up to $250,000. If you need insurance beyond that amount, we'll help you structure your account so you can get additional coverage. Keep in mind our IRA accounts are insured separately up to $250,000, too.

 

Yes, Hawaii Community Federal Credit Union participates in shared branching. Whenever you're traveling on the mainland, you can still get easy access to your Hawaii Community Federal Credit Union account through our partnership with the CO-OP Network.
Locate a shared branch online or by calling 888-748-3266.

 

• Huge discounts on popular gift items, especially when hyped on social media posts or unfamiliar websites.
• Spelling errors or sloppy grammar on a shopping website or in an email.
• A travel or shopping site does not list a street address or a phone number for the business and offers only an email address or a fill-in contact form.
• A site does not have a privacy policy.
• An unsolicited email asks you to click on a link or download an app to access a discount or arrange a delivery.

• Do mouse over links in emails and social media ads to reveal the true destination URL. Click through only if you're certain it's a legitimate site.
• Do pay by credit card. That way you can dispute charges and limit the damage if it turns out you were scammed.
• Do research unfamiliar retail, travel and charity sites online. Search for their names with terms like "scam," "complaints" or "reviews," and look them up on evaluation and information sites.
• Do look for return and refund policies when shopping on an unfamiliar or suspicious site, and make sure they are clear.
• Do carefully examine gift cards at the point of purchase. Signs of tampering could mean a thief has accessed the card's PIN code and can drain its value as soon as someone buys and loads it.

• Don't conduct financial transactions on a site unless the URL begins with "https://" or there's a padlock or unbroken key icon in the address bar or at the bottom of the browser window.
• Don't buy anything online while using a public Wi-Fi network. It might not be secure.
• Don't make a purchase or donation if a website or caller seeks payment by wire transfer, gift card or prepaid card. These are like giving away cash.

• Update your computer or smartphone operating systems and anti-virus software often.
• Public Wi-Fi systems should NOT be used for online shopping or for any financial transactions.
• Shop only with reputable and known merchants.
• Use only retailers with secured (padlock icon at beginning of address) websites.
• Avoid email solicitations or telemarketers on offers that seem to be too good to be true.
• Read product or service reviews and do price comparisons.
• Understand the return policy.
• Keep all gift receipts for possible returns.
• Keep shopping bags or packages in the trunk of your car and NOT inside the car for best anti-theft protection.
• Be cautious of large crowds in a mall or stadiums due to pickpockets.

Hours for each of our branch locations can be found here.
 

Our holiday hours can be found on our Holiday Schedule.
 

We have six branch locations throughout Hawaii Island. More information about our branches can be found on our branch locations.
 

You can apply for a loan online or in-person at a branch.
 

We offer mortgage, land, construction, small business, educational, personal, auto, and credit card loans.
 

Our current loan rates can be found on our rates page.

 

1. Select “CardSwap” under “Transfer & Pay” in your Online Banking menu
2. Select Get Started
3. Choose the online retailers and subscriptions where you have an account
4. Enter your HCFCU card information - CardSwap is only available using your HCFCU debit or credit card
5. Enter your usernames and passwords for the services you want to link to CardSwap

The new preferred payment information is automatically verified and applied, and in 24 hours, these updates will be made to your selected services

Once you’ve established the connections, CardSwap will retain the link unless you change your username and/or password.

CardSwap User Guide 
 

1. Select “Bill Payment” under “Transfer & Pay” in your Online Banking menu
2. Select the checking account to use, and click on “Enroll in Bill Pay”
3. Add your payee & schedule a payment
4. Schedule a payment

You can open your account online or at a branch. Make sure you have your Social Security number or individual Tax Identification number, a photo ID issued by the U.S. government (driver's license, passport, state or military ID), and a credit or debit card.
 

• Individuals who live, regularly work, worship, attend schools or perform volunteer services on Hawaii Island; and members of their immediate families or household and organizations of such persons.
• Any business and other legal entities located on Hawaii Island.
• Immediate family members of a natural person member or potential member may join the credit union even if they do not live, regularly work, worship, attend schools or perform volunteer services on Hawaii Island.
• Immediate family members are defined as grandparents, parents, step-parents, spouse, siblings, step-siblings, children, adopted children, step-children and grandchildren of the natural person member or potential member.
• Membership is open to persons who reside in the same “household” with a current member even if the residence is located outside Hawaii Island.
• "Household" is defined as persons living in the same home and who maintain a single economic unit. This includes any family members, domestic partners, foster children and legal guardian relationships.

• If you are not already registered for eBranch, go to www.hicommfcu.com and complete the registration process.
• If you do not already have it installed, download the “Hawaii Community FCU mobile" app from the Apple^® App Store or Android Google Play Store^®. Follow the prompts to complete the registration process.
• Select “Deposit Check” from the Mobile App menu.
• Follow the prompts to deposit your check. You will be asked to:
  • Write “HCFCU Mobile Deposit Only” on the back of your check and sign your name.
  • Select an eligible account for deposit,
  • Enter the amount of your check
  • Photograph both the front and back of the check,
• You will receive an email notifying you if your check was successfully received.
• Later you will receive another email notifying you if your check was successfully deposited.

You cannot deposit the following checks:

• Checks payable to any person or entity other than you (third party checks or checks payable to “cash” are not eligible).
• Any check exceeding $5,000.
• Checks payable jointly, unless deposited into an account in the name of all payees.
• Checks containing an alteration to any of the fields on the front of the check, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
• Checks with any inconsistencies, such as the numerical amount not matching the written amount.
• Checks that do not have the full Magnetic Ink Character Recognition (MICR) line printed on the check;
• Checks that are remotely created checks, as defined in Regulation CC.
• Checks previously converted to a substitute check, as defined in Regulation CC.
• Checks payable on sight or payable through Drafts, as defined in Regulation CC.
• Checks drawn on a financial institution located outside the United States or located in a United States territory.
• Checks that are not payable in United States dollars.
• Checks dated more than 6 months prior to the date of deposit.
• Checks dated after the date of deposit.
• Checks previously negotiated or “cashed” at an alternate financial institution or other HCFCU branch or deposit channel causing the same drawer’s account to be debited twice.
• Checks that are non-negotiable.
• Checks that are counter or temporary checks.
• Checks that were previously returned for any reason.
• Checks to be deposited to an IRA.
• Savings bonds, traveler’s checks, demand drafts, cash, money orders, or postal orders.
• U.S. Treasury checks, Federal Reserve Bank checks, Federal Home Loan Bank checks, government checks or warrants.
• Checks that require a special endorsement or warranty (e.g., insurance or escrow checks).
• Checks with any endorsement on the back other than that specified in this Agreement.
• Checks that do not have the original signature of the person authorizing the check.
• Checks for which you do not have the original paper check in your physical possession.
• Checks that are in violation of any federal or state law, rule, or regulation.

You can deposit up to a total of $5,000 per day in Mobile Check Deposits.
 

You can deposit an unlimited number of checks as long as the total dollar value of the checks does not exceed $5,000 per day.
 

The first $225 of funds deposited using the service will generally be made available the first business day after the business day that the funds are successfully deposited. The remainder of the funds deposited will be made available the second business day after the funds are successfully deposited. HCFCU may make funds available sooner based on factors that HCFCU, at its sole discretion, deems relevant.
 

The only browser requirement is that your browser must be HTML5 compatible. We recommend updating your browser to the latest version available—not just to ensure compatibility with the new online banking experience, but also to ensure that your online banking is as secure as possible.

Browsers below the following requirements may not provide functionality: Internet Explorer – Version 11 and below, Firefox – Version 24 and below, Chrome – Version 30 and below, Safari – Version 6 and below.
 

Absolutely. Our new online banking system will provide you the ability to bank anytime, anywhere, from any device—conveniently and securely. You can download the app to your Android or Apple device, and it will provide a consistent experience with banking from your desktop. If you’re on a platform that isn’t Android or Apple, you can always access online banking via your HTML5-compatible mobile browser.
 

All of our branch locations have safe deposit boxes except for our Honokaa branch.
 

The safe deposit box sizes are as follows:

• 3”x 10”x 222” $35.00/year
• 5”x 10” x 222” $50.00/year

 

Designed for our young members, our Youth Savings account allows your keiki 18 years of age or younger to start saving early. With a Youth Savings account, an adult or parent is required to hold joint-membership of the account until the minor is of age to hold the account alone.

Account is eligible for Deposit Days.
 

Zelle^® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank¹.
 

You can send, request, or receive money with Zelle^® . To get started, log into Hawaii Community Federal Credit Union's mobile app and select “Send Money with Zelle^® ”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle^® .

To send money using Zelle^®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes¹.

To request money using Zelle^®,choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”². If the person you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile phone number.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your Hawaii Community Federal Credit Union account, typically within minutes.
 

It’s easy — Zelle^® is already available within the Hawaii Community Federal Credit Union mobile app! Check our app and follow a few simple steps to enroll with Zelle^® today.
 

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union.

If you would like to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled with Zelle®, simply click "Transfer" when prompted during the Zelle® enrollment process and confirm your desired changes.

Once you transfer your email address or U.S. mobile phone number, it will be connected to your bank account at the financial institution you selected and you can start sending and receiving money with Zelle® right away.
 

When you enroll with Zelle® through your Hawaii Community Federal Credit Union app, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Hawaii Community Federal Credit Union). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle® looks up the email address or mobile number in its “directory” and notifies Hawaii Community Federal Credit Union of the incoming payment. Hawaii Community Federal Credit Union then directs the payment into your Hawaii Community Federal Credit Union account, all while keeping your sensitive account details private.
 

Keeping your money and information safe is a top priority for Hawaii Community Federal Credit Union. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your Hawaii Community Federal Credit Union account safe.
 

You can send money to friends, family and others you trust even if they have a different bank or credit union¹.

Since money is sent directly from your Hawaii Community Federal Credit Union account to another person’s bank account within minutes¹, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile phone number.
 

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Hawaii Community Federal Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
 

Zelle® is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor¹.

Since money is sent directly from your Hawaii Community Federal Credit Union account to another person’s bank account within minutes¹, Zelle® should only be used to send money to friends, family and others you trust.

Neither Hawaii Community Federal Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
 

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Hawaii Community Federal Credit Union mobile app using just their email address or U.S. mobile number.

Neither Hawaii Community Federal Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.
 

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
 

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our customer support team at 808-930-7700 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call our customer support team at 808-930-7700 so we can help you.
 

You can find a full list of participating banks and credit unions live with Zelle® here.

If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
 

Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle®.
 

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Hawaii Community Federal Credit Union account, typically within minutes.

If you have not yet enrolled with Zelle®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select Hawaii Community Federal Credit Union.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile phone number to ensure you receive your money.

Money sent with Zelle® is typically available to an enrolled recipient within minutes.

If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be sent directly to your recipient’s account, typically within minutes.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please give the Hawaii Community Federal Credit Union customer support team a call toll-free at 808-930-7700 or get in touch through our support page.

 

The Zelle® app is only be available to users whose banks and credit unions do not offer Zelle® directly to their customers. Because Hawaii Community Federal Credit Union offers Zelle®, you can use it directly through the Hawaii Community FCU mobile banking app to send and receive money.
 

Enroll with Zelle® in the Hawaii Community FCU mobile banking app! To get started, log into Hawaii Community FCU mobile app, navigate to “Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you’re ready to start sending and receiving with Zelle®.
 

You’ll no longer be able to use the Zelle® app. To continue using Zelle®, you’ll need to enroll through the Hawaii Community FCU Mobile app.
 

Any pending payments and requests you’ve sent will be cancelled. But don’t worry, once you’ve enrolled with Zelle® through the Hawaii Community Federal Credit Union app, you can start sending and receiving money again.
 

Banks and credit unions across the county are phasing-in these changes. The Zelle® app will soon only be available to users whose banks and credit unions do not offer it directly to their customers through their banking app. If your friend’s bank offers it, but she can still use the Zelle® app today, she will likely receive a notice in the future saying that she will need to enroll with Zelle® through her financial institution.
 

Follow the prompt in the Zelle® app, and enroll with Zelle® through the Hawaii Community Federal Credit Union app. Once you’re enrolled with Zelle® through Hawaii Community Federal Credit Union, contact your friend and have them resend you a request. Or, if you already know the amount of money your friend is requesting, you can simply send the money with Zelle® through the Hawaii Community Federal Credit Union app after you confirm their correct email or U.S. mobile number tied to the bank account they have enrolled with Zelle®.

Note: When you are no longer able to use the Zelle® app, any pending payment request will be cancelled.