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A checking account from Hawaii First FCU offers you the savings and convenience you want to manage your personal day-to-day finances.

  • Minimum balance required to open checking account : $50
  • A checking (Share Draft) account has no minimum balance or service fees
  • May qualify for Overdraft Privilege Program.


Please contact us for a rate and fee schedule, funds availability disclosure, membership and account agreement brochures.

Rates, fees, and terms applicable to Share Draft accounts are subject to change by Hawaii First Federal Credit Union.

Checking Account

A checking account from Hawaii First FCU offers you the savings and convenience you want to manage your personal day-to-day finances. This checking account has no minimum balance or service fees. Your checking account includes an EMV chip debit Mastercard®. There is a minimum deposit of $50 required to open an account.

My First Checking Account

Members 13-17 years old are eligible for a youth account, including access to a Mastercard® debit card! A basic savings account must be established and connected to any My First Checking account. See credit union for more information.

Pot of Gold Checking Account

This is a checking account that is perfect for those who do not have access to a traditional checking account due to uncollected debts with other companies. With this account, you have access to your account through a debit card and will receive free financial coaching regarding money management/credit repair.

EMV Chip Cards

EMV debit cards feature enhanced fraud protection with an embedded chip that makes it virtually impossible to counterfeit and helps prevent in-store fraud.

Enhanced Security for your Debit Cards

Hawaii First will soon offer debit cards with chip technology. The embedded computer chip provides more security and wider international acceptance. A microchip embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting. These cards are already in wide use around the world and are now becoming the standard in the U.S.

For EMV Chip Cards FAQs, please click here.

  • Debit MasterCard®
  • MasterCard® SecureCodeTM

Hawaii First FCU is pleased to offer you MasterCard® SecureCodeTM! MasterCard® SecureCodeTM  puts you in control when shopping online:  only you can approve purchases using your private SecureCode.  Click the link below to be directed to the MasterCard® SecureCodeTM registration page to sign up today!