Rate & Fee Schedule | Hawaiian Financial Federal Credit Union

Regular Share
Average Daily Balance of $100 or higher	No Charge
Average Daily Balance below $100	$1.00/month

Money Market Savings
Average Daily Balance of $500 or higher	No Charge
Average Daily Balance below $500	$1.00/month

Kids Club (for ages 0 - 12 years old)
Minimum Balance Required	$25.00
Monthly Service Fee	None

Advantage Savings (for ages 13 - 22 years old)
Minimum Balance Required	$25.00
Monthly Service Fee	None

Preferred Checking
Average Daily Balance of $400 or higher	No Charge
Average Daily Balance below $400	$5.00/month
Monthly service fee waived for members with a minimum direct deposit of $200 per pay period to Preferred Checking, age 55+, or $50,000+ on deposit with the Credit Union.

Value Checking
Average Daily Balance	None
Monthly Service Fee	None

Advantage Checking (for ages 16 - 22 years old)⁺
Average Daily Balance	None
Monthly Service Fee	None
+ One order free on HIFICU Custom Checks per year. Account does not earn dividends.

Stop Payment Fee	$20.00/item
Check Copy Fee	$3.00/item
Non-Sufficient Funds Fee	$20.00/presentment
Courtesy Overdraft Protection Fees	$20.00/presentment

Teller Check Fee	First One Free
(Fees on Daily Basis)	$5.00/check
Teller Check Stop Payment Fee	$20.00/item
Non-member (exchange for HIFICU share draft)	$10.00

First Draft Order
HIFICU Custom Checks (60 drafts with duplicate)	No Charge*
All other styles	At Cost

Draft Reorders
With Direct Deposit, Age 55+, or $50,000 on deposit:
HIFICU Custom Checks (60 drafts with duplicate)	No Charge*
All other styles	At Cost
Without Direct Deposit:
All styles	At Cost

Vinyl Covers	No Charge
Wallets and Other Items	At Cost
*Reorders are limited to 1 box per order.

Withdrawal, Transfer, Balance Inquiry, Denial Fee at Hawaiian Financial FCU ATMs and Bank of Hawaii ATMs, and Deposits made at HIFICU ATM	Free**
Withdrawal, Transfer, Balance Inquiry, Denial Fee at Non-Hawaiian Financial FCU ATMs and Non-Bank of Hawaii ATMs	$1.00**
**When you use an ATM not owned by us or Bank of Hawaii, you may be charged a fee by the ATM operator and any network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer. Such fees are in addition to the $1.00 fee that HIFICU charges.

Home Branching Enrollment	Fee waived until further notice⁺
Home Branching BillPayer	Fee waived until further notice*⁺
Check Copy Fee	$3.00/item
Stop Payment Fee	$20.00/item
Non-sufficient Funds Fee	$20.00/presentment
Reconnect Fee (service cancelled w/90 days of inactivity)	$4.00
⁺+Regular fee is $2.00/mo. (free w/ direct deposit or Advantage Checking)
*+Regular fee is $4.00/mo. Available only to members with Share Draft Accounts.

Domestic	$35.00
International	$40.00
(Outgoing wires must be done in person and received by 9:00am. All wires received after 9:00am will be sent the following business day.)

Incoming Wire Fee	No Charge
Incoming Wire Instructions:
Credit:	Hawaiian Financial Federal Credit Union 1138 North King Street Honolulu, HI ABA# 3213-7907-0

Final Credit:	Member's Name Account Number-sub account

Buy from Member (any amount)	$5.00
Returns over 5 business days	Buy Rate
Returns within 5 business days	$5.00
Sell to Member (over $350 U.S.)	$5.00
Sell to Member (up to $350 U.S.)	$15.00

ACH Stop/Revocation	$20.00/item
Account Closure Fee within 90 days	$25.00
Account Reconciliation	$15.00/hour
Account Research Fee	$15.00/hour
Document Review Fee	Actual Charges May Apply
Inactive Account Fee (after three years no activity)	$5.00/month
Legal Processing Fee (Garnishment,Levies)	$40.00

Money Order	$2.00/item
(Maximum Dollar Amount Available)	$1,000.00
Non-Sufficient Funds Fee	$20.00/presentment
Return Deposit Fee	$5.00/item
Return Deposit Fee (Shared Branching Returns)	$15.00/item
Return Payment Fee	$20.00/item

ShareCard or CheckCard Replacement
Fee for Lost Cards	$10.00
Special Handling for Abandoned Account Fee	$30.00/item

Notary (Maximum 5 Signatures Per Day)
Member	2 free signatures per day; $5.00 thereafter
Non-Member	$5.00 per signature

Statement Copy, Statement Duplicate, or Account History	$2.00/copy

Membership Share Par Value

$5.00