Preferred Checking

This account is designed for members who want full service checking. An initial deposit of $5 is necessary to open the account. A $5 fee will be assessed each month in which the average daily balance falls below $400. No fee will be charged during the month the account is opened, if you have direct deposit, are 55+ or have combined account balances of $50,000+. Keep at least $400 on deposit and there's NO monthly service charge. Plus, there's no per-item charge.

  • A deposit of $5 is all it takes to open this account.
  • Checking account that earns dividends.
  • First order of Credit Union standard checks are free.
  • Free Credit Union standard checks, no minimum balance, and monthly service fee waived for members with direct deposit to Preferred Checking account.
  • 10 free ATM transactions per statement cycle, at any Bank of Hawaii or Hawaiian Financial FCU ATMs.
  • Ability to deposit a check via your smartphone or tablet to qualified accounts.

Click here to view our Rate & Fee brochure.

To apply online, click here.

Click here to view our standard check.

Preferred Checking Rate
Checking Account
Dividend Rate
Min. Initial Deposit
Min. Balance

Preferred Checking

* Annual Percentage Yeild
** There is a $400 average daily balance, however there is no minimum balance, no service fees, free Hawaiian Financial FCU custom checks with direct deposit, age 55+, or $50,000+ on deposit at the Credit Union.
You must be at least 18 years old to open an individual account.
All rates are subject to change without notice and are effective as of September 4, 2018.
If you need more information about this account, please email New Accounts at or call 1-808-832-8700.