Online Banking How-Tos

Online Banking Just Got Easier!

Get what you need done when you want to from the comfort of your own home.


Introducing the two newest products added to our eBranch and Mobile Banking lineup to help you manage your online services and pay your bills more efficiently.

Click here to learn more about CardSwap

How to get started

You can log in to your account now using the "eBRANCH LOGIN" button in the upper-right corner of this page. We've created tutorial videos and posted them below, which should help you get into your account for the first time and find your way around the new platform.application icon And if you need additional help, don't hesitate to call us at 808-930-7700.

And if you have a smartphone or tablet, don't forget to download the new mobile apps. The app you may already have installed on your device is no longer supported. Remember to also uninstall the old application from your device.

You can find the new application for both Apple and Android devices by searching the relevant store for "Hawaii Community FCU mobile."

Video Tutorials

We're making it easier to bank online

At Hawaii Community Federal Credit Union, we work everyday to demonstrate that Ownership Counts. In October, we'll be launching our new online banking platform aimed at making it easier to manage your finances, improve account security and organize your bills all in one place.

We also recommend that you bookmark this page. We'll be adding more information, including tutorial videos and additional details about what else is coming to online banking.

What makes it better? 

We've got some great features we're excited for you to experience when we launch. Here's some of what you can look forward to:

Better security - Log in to your account with secure access codes and choose to either register the devices you regularly use or require a new access code for each login. Our new mobile app also supports Touch ID and Face ID on devices with those features.

A fresh and flexible look - You're the best person to choose how you want to see your account information, so we're giving you the freedom to see how your information is displayed. On our new platform, you can group, hide and organize your accounts however is most convenient for you. Even better, we've streamlined the look of our bill pay platform as well as our mobile and online banking. Whether you're at home, in the office or on-the-go, you can be sure you're able to find what you need when you need it.

Stop payments - Putting a stop payment on a check is easy. All it takes is the check number and a simple visit to online banking.

Here's what's new with Bill Pay

We have also launched a new platform to make it easier than ever to pay your bills online. Below, we've answered some frequently asked questions about the platform.

What is Bill Pay?

Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use.

Who can I pay with Bill Pay?

You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.

How do I enroll in Bill Pay?

It’s easy to enroll in Bill Pay. Just log in to your account through eBranch and click the "Bill Pay" link to access the short enrollment form.

How do I start using Bill Pay?

The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is:
  1. Log in to your account via eBranch and click the "Bill Pay" link.
  2. Click the "Add a Payee" button on your home page dashboard.
  3. Enter the requested information. Typically this information can be found on your latest bill statement.
Once you add your payee, you can start making payments in seconds.

How do I make payments with Bill Pay?

  1. Find your payee on the payments dashboard.
  2. Enter the payment amount and date, then submit.

How are onlinepayments delivered?

Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Is Bill Pay secure?

Paying bills online is one of the safest ways to pay your bills. Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.

How long does it take before my payment is recieved?

Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.

How are the scheduled payments processed with Bill Pay?

Scheduled payments will be debited from your account on the process date. This can be one (1) to five (5) business days before the due date depending on whether your payment is made electronically or by check.

Here's a quick list of the many ways you can benefit from using Bill Pay.
  1. Save time. With Bill Pay, you can receive and pay your bills online, all in one place. That means no more visiting multiple websites to pay bills or trips to the post office to mail checks. In addition, smart features such as recurring payments allow you to automate regular bill payments.
  2. Save money. Paying bills online saves on postage, envelopes, late fees and checks. If you pay just 10 bills per month, you can easily save over $110.00* per year.
  3. Stay organized. Your payment history is stored in your online account, so you won't have to sort through paper receipts or visit multiple websites to access past transactions.
  4. Gain peace of mind. Paying bills electronically means no risk of mailed checks getting lost or stolen. Plus, you can stop worrying about missing a bill payment when you set up reminders and automated recurring payments.
  5. Help the environment by saving paper. With Bill Pay, there are no checks to write or envelopes to mail. That's good news for you and the environment.
*Savings are approximate and based upon the average annual cost of stamps, envelopes and checks required for paying 10 bills per month.

What is eBill?

eBill is a feature that allows you to receive and pay electronic versions of paper bills directly from your Bill Pay account.

How do eBills work?

eBills are delivered directly to your Bill Pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

Will I still recieve paper statements when I have eBill?

You may continue to receive paper statements for the next 2 or 3 billing cycles. Contact your payee for more details on their paper statement policy.

How will I know if eBill is available for a payee?

If a payee offers eBill, there will be a “Setup eBill” link next to their listing on your Bill Pay dashboard.

What are the primary benefits of eBill?

With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill statements at a glance.

What information is included in an eBill?

If available for your payee, your full bill statement will be delivered to your account. That means you can view all statement information, including transactions, payment history, credits, and more.

If full eBill details are not available for your payee, you will receive a summary eBill statement that includes balance due, due date and minimum payment amount.

How do I pay an eBill?

To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.

How do I know when I have recieved an eBill?

You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.
Ready to get started? Log in to eBranch and get started right away! You'll find Bill Pay enrollment by clicking the "Transfer & Pay" tab on the left-hand menu of your eBranch home screen. Then click "Bill Payment" to enroll the accounts of your choice.

Business owners who use our online Bill Pay platform or are interested in using the platform to make managing their bills easier can get more details on how to get started at this link. We've also answered some of the frequently asked questions specifically for small business owners and managers interested in using our Bill Pay platform.

What is business online Bill Pay?

It’s a service from Hawaii Community Federal Credit Union that streamlines the back-office functions of your small business and allows you to make payments to virtually any individual or company through your online banking account.

Why is business online Bill Pay better then personal Bill Pay?

Business online bill pay was designed specifically to meet the needs of today’s small businesses. In addition to making payments, you can run customized reports, delegate tasks and set permission controls. It all adds up to give you more resources you need and more time to focus on your business.

Who can I pay with business online Bill Pay?

You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. Examples include utilities, office supply bills, consultants or independent contractors.

How are online payments delivered?

Most payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks mailed via the U.S. Postal Service.

Is business online bill pay secure?

It’s one of the safest ways for your business to pay bills. business online bill pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases privacy because only you can access your account information, account numbers and payment history.

How long does it take before a payment is received?

Generally, your payment is received within two to seven days, depending on whether it is sent electronically or via paper check.

How are the scheduled payments processed with online bill pay?

Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.

The major benefits are true control and total convenience for you. This means you’ll be able to:
  • Pay your business’s bills and view payment activity anytime, anywhere
  • Delegate the payment responsibilities you want to
  • Set permission controls so you maintain the final say
  • Quickly run customized reports with the information your business needs
  • Reduce your paperwork and bookkeeping
  • Maintain more control over cash flow
  • Increase your security over mailing checks

Does business online bill pay have Quiken/QuickBooks integration?

Yes. You can import payees from Quicken or QuickBooks directly into your business online bill pay account.

Can I set up recurring payments?

Business online bill pay allows you to set up recurring payments for bills that are consistent every month. Examples include insurance payments, contractual payments or your office lease.

Can I pay mulitple invoices at once?

Absolutely. With extended remittance you can send a single payment for multiple invoices from a single vendor.

What kinds of payment responsibilities can I delegate?

You can delegate the payment responsibilities you want, such as paying utilities and suppliers, running reports or accessing payment history.

What kind of permission controls can I set? 

Specify who can make payments, which payments they can make and the maximum payment amount. You can also set up final approvals so you give the go-ahead before any payments are made.

What kind of customized reports can I run?

You can run reports that allow you to:
  • Have the audit information you need
  • Review your spending
  • View the payment activity of your authorized users

Important information for Intuit users

If you use Intuit programs such as Mint or Quickbooks, there are special instructions you will need to follow.
  • Mint users should download the file labeled "Mint Conversion Information" and follow the instructions.
  • Quicken and QuickBooks users should select the appropriate tab for their operating system (Mac or Windows) and then download the relevant instructions.

Files will open as PDF documents in a new tab or window.

Mint Conversion Information

QuickBooks and Quicken

Frequently Askes Questions

  • If you are not already registered for eBranch, go to 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.

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.

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.