Checking

Relationship Checking

Get rewarded for your deposit and loan relationships with us. Earn a regular dividend on your Relationship Checking balance plus receive an additional Relationship Bonus if you have a qualifying loan balance.

Monthly Service Fee Waived

With a combined deposit and loan balance of $25,000 (excluding mortgages).¹

Earn Dividends

On your average daily balance. Plus, earn an additional Relationship Bonus with qualifying deposit & loan balances.²

1% Debit Cash Back

Earn up to 1% cash back on qualifying debit card purchases.²

ATM Fee Rebates

For domestic third party ATMs, up to $5 per transaction ($20 max per statement period).

Unlimited Surcharge-Free ATM Withdrawals Available

At all Hawaii State FCU and Bank of Hawaii ATMs.

Free Debit Card

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

Free Digital Banking & Bill Pay

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

Unlimited Check Writing

Never worry about per-check fees and get a free box of checks every year.

View disclosures

Relationship Checking

Rates & Disclosures

Relationship Checking Rate

Balance	Min. Opening Deposit	Min. Daily Balance to Earn APY	APY
$0 - $9,999.99	$2,500.00	None	0.02%
$10,000 - $24,999.99	$2,500.00	$10,000.00	0.02%
$25,000 - $49,999.99	$2,500.00	$25,000.00	0.02%
$50,000 and above	$2,500.00	$50,000.00	0.03%

^* An additional Relationship Bonus may also apply. Please see our Consumer Truth-in-Savings Non-Term Disclosure for more information regarding the Relationship Bonus.

^** The Investment Share Account, Relationship MAX^SM Share and the Relationship Checking Account are tiered rate accounts. To determine the APY that will apply to your account, refer to the appropriate tier that applies to your account average daily balance for the month. When a particular average daily balance range is met, the APY will apply to the full balance in that account.

^*** 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.