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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. 

 

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. 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.
  3. 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 and either a legal resident of the island of Hawai’i or a member of HFS Federal Credit Union to participate. No purchase or payment is necessary to enter or win. Odds of winning depend on the number of participants. For Official Rules, including alternate means of entry, visit any HFS branch or: 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.