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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.

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.


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. Click here to order checks.

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.


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 offers 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 becoming the standard in the U.S.

For EMV Chip Cards FAQs, please click here.

Our offices will be closed on February 19th in observance of Presidents Day!