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All your banking needs met under one roof.

We've got all your banking needs covered under one roof.  For your daily spending needs, HFS FCU's checking accounts are simple & secure: no hassles and no headaches. 

Click on the button below to open a checking account online or schedule an appointment to meet with a Member Services Representative. 

  • No maintenance fees, no minimum balance

  • Complimentary checks with Direct Deposit

  • Get your debit card the same day

  • Surcharge-free ATM access at any Bank of Hawai'i ATM1

Receive a Gift2

Receive an Oakley® Hat when opening a new checking account with a debit card. 

*Gifts are available while supplies last. 

 

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Quarterly Sweepstakes3

Open a checking account with a debit card and get entered into our quarterly sweepstakes to win a prize!

For more information, check out the official rules. 

There will be four sweepstakes periods. The first sweepstakes period will begin on January 1, 2025, at 8:30 a.m. HST and end on March 31, 2025, at 11:59 p.m. HST. The second sweepstakes period will begin on April 1, 2025, at 12:00 a.m. HST and will end on June 30, 2025, at 11:59 p.m. HST. The third sweepstakes period will begin on July 1, 2025, at 12:00 a.m. HST and will end on September 30, 2025, at 11:59 p.m. HST. The fourth and final sweepstakes period will begin on October 1, 2025, at 12:00 a.m. HST and will end on December 31, 2025, at 11:59 p.m. HST. Limit 1 entry per person, ages 18 and older.   No purchase or payment is necessary to enter or win.  For Official Rules, visit: https://bit.ly/2025checkingsweepstakes. 

Disclosures

1. Other fees may apply for out-of-network ATMs.

2. Must open a checking account with a debit card to receive free gift. Gift available while supplies last.

3. The gift is considered a bonus by the Internal Revenue Service and will be reported as taxable income (1099-INT). Limit 1 gift per member while supplies last. There will be four sweepstakes periods. The first sweepstakes period will begin on January 1, 2025, at 8:30 a.m. HST and end on March 31, 2025, at 11:59 p.m. HST. The second sweepstakes period will begin on April 1, 2025, at 12:00 a.m. HST and will end on June 30, 2025, at 11:59 p.m. HST. The third sweepstakes period will begin on July 1, 2025, at 12:00 a.m. HST and will end on September 30, 2025, at 11:59 p.m. HST. The fourth and final sweepstakes period will begin on October 1, 2025, at 12:00 a.m. HST and will end on December 31, 2025, at 11:59 p.m. HST. Limit 1 entry per person, ages 18 and older.  No purchase or payment is necessary to enter or win.  For Official Rules, visit https://bit.ly/2025checkingsweepstakes.

Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer, or participate in associations headquartered on the island of Hawai’i. A minimum opening balance of $50.00 is required to open a Savings Account.  A savings account is required before opening a checking account.  Federally Insured by NCUA.