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Rate and Fee Schedule

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 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
Non-Sufficient Fees$20.00/presentment
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
Refer to corresponding brochure for details.
$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 ATMs
First 10 per monthFree**
Advantage Shares/CheckingFree**
ATM fee after first 10 free per month at HIFICU ATMs and Bank of Hawaii ATMs$1.00
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 Student 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)

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


VISA Gift Card

Issuance Fee$3.00
Card Replacement Fee*$10.00
*A lost, stolen, or damaged Card replacement fee will be imposed for the replacement of the Card and will be deducted from the remaining balance.


Other Service Fees (applicable to all accounts)

Account Reconciliation$15.00/hour
Account Research Fee$15.00/hour
Statement Copy, Statement Duplicate or Account History$2.00/copy
Account Closure Fee within 90 days$25.00
 
Money Order$2.00/item
(Maximum Dollar Amount Available)$1,000.00
 
ShareCard or CheckCard Replacement
Fee for Lost Cards$10.00
PIN Replacement Fee$1.00
 
Legal Processing Fee
(Garnishment, Levies)
$40.00
 
Document Review FeeActual Charges May Apply
Return Deposit Fee$5.00/item
Return Deposit Fee
(Shared Branching Returns)
$15.00/item
Inactive Account Fee
(after three years no activity
$5.00/month
Special Handling for
Abandoned Account Fee
$30.00/item
Return Payment Fee$20.00/item
ACH Stop/Revocation$20.00/item


Credit Union Membership

Membership Share Par Value$5.00
Rate & Fee Schedule | Hawaiian Financial Federal Credit Union