Checking

Dividend Checking

Make your money work for you. Hawaii State FCU Dividend Checking is specifically designed for members who want to earn a return on their hard-earned money.

Skip the $5 Monthly Service Fee

With a minimum average daily balance of $1,000 or at least 20 debit card purchases per month.

Free ID Theft Assistance

Available to you through CyberScout.® If you experience fraud or identity theft, call toll-free 1 (844) 228-8970.

Earn Dividends¹

On your daily balance.

Free Debit Card

Each one features contactless EMV chip technology, mobile card controls and transaction alerts.

Unlimited Surcharge-Free ATM Withdrawals Available

At all Hawaii State FCU and Bank of Hawaii ATMs.

Free Digital Banking & Bill Pay

Comes with free unlimited Bill Pay, Mobile App and Mobile Check Deposit.

View disclosures

Dividend Checking

Rates & Disclosures

Dividend Checking Rate

Min. Opening Deposit	Min. Daily Balance to Earn APY	APY
$50 or $5 with Direct Deposit	None	0.02%

^* The Annual Percentage Yield (APY) may change after the account is opened. APYs are as of 11/01/2024, and may change at any time without notice. Fees may reduce earnings.

See Consumer Truth-in-Savings Non-Term Disclosure for more information.