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Online Banking

VISA Account

Rate & Fee Schedule

Savings Account Fees

Regular Share
Average Daily Balance of $100 or higherNo Charge
Average Daily Balance below $100$1.00/month
 
Money Market Savings
Average Daily Balance of $500 or higherNo Charge
Average Daily Balance below $500$1.00/month
 
Kids Club (for ages 0 - 12 years old)
Minimum Balance Required$25.00
Monthly Service FeeNone
 
Advantage Savings (for ages 13 - 22 years old)
Minimum Balance Required$25.00
Monthly Service FeeNone


Checking Account Fees

Preferred Checking
Average Daily Balance of $400 or higherNo 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 BalanceNone
Monthly Service FeeNone
 
Advantage Checking (for ages 16 - 22 years old)+
Average Daily BalanceNone
Monthly Service FeeNone
+ 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


Check Fees

Teller Check FeeFirst 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
(100 drafts with duplicate)
No Charge*
All other stylesAt Cost
 
Draft Reorders
With Direct Deposit, Age 55+, or $50,000 on deposit:
HIFICU Custom Checks
(100 drafts with duplicate)
No Charge*
All other stylesAt Cost
Without Direct Deposit:
All stylesAt Cost
 
Vinyl CoversNo Charge
Wallets and Other ItemsAt Cost
*Reorders are limited to 1 box per order.


ATM Fees

Withdrawal, Transfer, Balance Inquiry, Denial Fee at Hawaiian Financial FCU ATMs and Bank of Hawaii ATMs, and Deposits made at HIFICU ATMFree**
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 & Home Branching BillPayer

Home Branching EnrollmentFee waived until further notice+
Home Branching BillPayerFee 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.


Safe Deposit Box Fees

Annual Rental
Size: 5 x 5 x 24$35.00
Size: 3 x 10 x 24$45.00
Size: 5 x 10 x 24$70.00
Size: 10 x 10 x 24$120.00
 
Change of Lock FeeAt Cost
Drilling of Box FeeAt Cost
Key Deposit$10.00


Outgoing Wire Fees (per transfer)

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 Fees

Incoming Wire FeeNo 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


Foreign Currency Exchange Fees (per transaction)

Buy from Member (any amount)$5.00
Returns over 5 business daysBuy 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


Other Service Fees (applicable to all accounts)

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 FeeActual 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)
Member2 free signatures per day;
$5.00 thereafter
Non-Member$5.00 per signature
 
Statement Copy, Statement Duplicate,
or Account History
$2.00/copy


Credit Union Membership

Membership Share Par Value$5.00