Fee Schedule

Lower fees keep more money in your pocket

We're always transparent about our fees

With us, you're always treated as part of our ohana. That's why we keep our fees as low as possible, so you can get more for your money.

Effective Date: March 31, 2021

This Fee Schedule is applicable to all of your accounts at Hawaii Community Federal Credit Union. This schedule is incorporated as part of your account agreement with the Credit Union. The following fees may be assessed in connection with your accounts.


Annual Meeting Tickets
Price Varies

Automated Clearing House (ACH):
Stop payment on pre-authorized transfer (each item) $25.00
Stop payment on pre-authorized transfer (each item) $25.00

Automated Teller Machine (ATM)
First card (also joint owner/member) No charge
Additional card (each) $5.00
Defective card (each) No charge
Lost card (each) $5.00
Stolen card (each) $5.00
ATM access to share account (fee waived if average daily balance (ADB) maintained in account is $250 or more each month) $2.00

Overdraft Fee (per occurrence)
(any ATM transaction which causes the balance in your account to fall below, pledge amount or check hold amount) $25.00
Transaction Fee:  
CUTEL ATM No charge
Non-CUTEL ATM (after first six transactions per month):  
ATM withdrawal $1.00
ATM transfer $0.50
Cashier's Check (face value each):
Specifically requested or payable to a third party  
$5,000 or less $5.00
More than $5,000 $7.00
Copy of paid check (per check) $2.00
Stop payment order (per order) $25.00

eBranch Online Services:
Annual fee None
Monthly service charge None
Each electronic account statement No charge
Each VISA electronic statement No charge
Online bill payment: Annual fee None
Monthly service charge None
Transaction fee None
Stop payment (per order) $25.00
Copy of check (per check) $10.00
NSF (per occurrence) $25.00

Facsimile Transmission (FAX) (each page):
Outgoing local transmission $0.50
Outgoing interisland transmission $1.00
Outgoing mainland transmission $1.50
Outgoing International transmission $5.00
Any incoming transmission $0.50

InstaCheck Debit Card (upon approval):
Purchase or replacement:  
First card (also joint owner/member)  No charge
Additional card (each) $5.00
Defective card (each) No charge
Lost or stolen card (each) $5.00
Special Card Handling (each) $25.00
Overdraft (per occurrence) $25.00
Draft Retrieval Request (Sales Slip Copy) (each) $12.00
International Transaction Fee  1% of transaction amount
This fee applies to any debit card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country even if you initiate the transaction from within the United States.

Legal Notice Processing:
Tax lien (per occurrence) $20.00
Garnishment (per occurrence) $20.00

Money Order: (Fee waived if member has direct deposit or net payroll with Credit Union, maximum 4 per day)
(per order up to $1,000) $1.00
Non-electronic Bill Payment:
Stop payment order (per order) $25.00

Not-for-Profit Club/Corporation Account:
Below minimum balance (per month) None

Notary Public (per day):
Up to 3  notarizations (per member only) No charge
Each notarization beyond 3 (per member only) $5.00
Non-members As set by Hawaii Law

Photocopy (per page) $0.25

Safe Deposit Box:
Deposit (per box) $25.00
Annual rental (per box):  
3" X 10" X 22" box $35.00
5" X 10" X 22" box $50.00
Replace lost or stolen key and refit with a new lock Actual Cost
Late payment of annual rental (one time fee) $5.00

Share Account:
Below minimum ADB fee (per month) None

Money Manager Checking and Savings Accounts:
Below minimum ADB fee (per month) $20.00

Premium Saver Checking and Savings Accounts:
Below minimum ADB fee (per month) $20.00

Checking, Money Manager Checking & Premium Saver Checking Account Fees:
Copy of cancelled check (per check) $2.00
NSF (per occurrence) $25.00
Overdraft (per occurrence) $25.00
Stop payment order (per order) (waived if stolen)  $25.00
Hard copy history (per page) $2.00
Starter kit (each) (waived for new accounts) $3.00
Checks Varies
Check Advantage Plus fee (per month) $5.00

Small Business Account (see brochure for fees)

Wire Transfer:
Wires received No charge
Domestic wires (regular, recurring and third-party  
$0 to $4,999.99 wire amount (each) $25.00
$5,000.00 and greater (each) $40.00
International wires  
$0 to $4,999.99 wire amount (each) $80.00
$5,000 or greater (each)  $100.00

Other Service Fees:
Abandoned property (per item, per month) $5.00
Account closed within 90 days of open date (per account) $20.00
Account statement copy (each) $5.00
Check accepted subject to collection (per check) $25.00
Copies of canceled checks (per month) $5.00
Copy of deposited check $10.00
Courtesy Pay Fee (per occurrence) $25.00
Deposit item returned (per item) $10.00
Non-current address (per month, per account) $5.00
Inactive fee (per month) $5.00
Research and reconciliation of any account (per 15 minutes or fraction thereof) $6.00
Signature Guarantee No charge
Frequently Asked Questions

Phone Numbers

Lost/Stolen VISA®

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.

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