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Mobile Banking

Access your Lōkahi FCU account anytime and anywhere with any mobile device. Modern, user-friendly look with easy-to-view account screens. Plus, Lōkahi FCU Mobile Banking uses the latest security technologies such as multi-factor authentication and biometric features that provides you with peace of mind that your mobile transactions are safe and secure. And best of all, it's FREE to Lōkahi FCU members!

Three ways of accessing your mobile account:

Mobile Banking Through the Lōkahi FCU Mobile App

  • Fast Balances feature
  • View Transaction History
  • Pay or schedule bill payments
  • Transfer funds between accounts
  • Deposit checks with Lōkahi FCU Mobile Deposit
  • Receive Account Alerts
  • Manage credit or debit cards
  • Personal financial management tool
  • Locate ATMs or a branch

Mobile Banking Through Web Browser (same features as Online Banking)

Access via Web browser with Internet capable mobile phones (WAP 2.0 or higher and cookies enabled).

Mobile Banking Through Text (SMS)

Access your account from any mobile device with text messaging capabilities (enrollment required). It’s fast, convenient, and practical.

  • View Account Balances
  • View Transaction History
  • Receive Account Alerts

Please note: Never “send” credit card, account or sensitive information via SMS as they are not encrypted. Texting fees may apply, so please check with service provider.

Enrolling and setting up Lōkahi FCU Mobile Banking is easy:

  • Download the Lōkahi FCU Mobile Banking App for iOS or Android
  • If you already have an Online Banking account, enter the User ID and password to access your account via the Mobile Banking App
  • If you do not have Online Banking enabled, click on "Register" and follow the instructions on your screen

Download on the App StoreGet it on Google Play

Apple logo® and App Store® are trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

Mobile Banking FAQ

How secure is Mobile Banking?

Mobile banking is very secure. In fact, it offers the same level of protection as our Online Banking service.

  1. Multiple layers of authentication to prevent unauthorized access
  2. Account information is encrypted to safeguard your information
  3. We use industry best practices to continually monitor and protect your information
  4. No identifiable information - we don’t return any personal information in a text message, such as your full account number, email address, or personal address.
  5. We never ask for or include your user id or password in any message we send.
Is Mobile Banking free?
There is no charge for using our Mobile Banking service. But message and data rates may apply from your mobile carrier.
Do I need to be enrolled for Online Banking to use Mobile Banking?
No. You can enroll for Mobile Banking only. If you later decide to access your account on a desktop, then that is available seamlessly.
Do I need a new User ID and Password for Mobile Banking?
No, use the same User ID and Password you use to log on to Online Banking.
What type of mobile devices work with the Mobile Banking App?
  1. The Mobile Banking app works with smartphones running either the Apple iOS or Google’s Android operating system.
  2. Your mobile device must be web-enabled.
  3. Your mobile device should have the “browse secure/SSL sites” enabled, CSS turned on, and JavaScript enabled.

Contact your mobile provider for support with any of these steps.

Can I use multiple mobile devices to access Mobile Banking?
Yes. You can use any number of compatible mobile devices for our Mobile Banking service. However, for security purposes, you will be presented with security questions if you switch between mobile devices.
What types of accounts can I access with Mobile Banking?
You can access to the same accounts that are viewable through online banking including checking, savings, certificates, and loans.
Is there a wait period to use Mobile Banking?

There is no waiting period.

  1. Mobile Banking App – Once you’ve downloaded and installed the app, just log on using the same credentials you use for Online Banking. If you do not have Online Banking, simply register as a new user.
  2. Mobile Web Banking – From your mobile browser, log on to Online Banking at www.lokahifcu.com using the same credentials you currently use.
  3. Text Banking – Log on to Online Banking to sign-up for Text Banking, and follow the on-screen prompts to begin using our Text Banking service right away.
What if I lose my mobile device?

You can deactivate your device in Mobile Banking. Log on to Online Banking to access your Mobile Banking preferences. Locate the phone number and select the option “Stop using this device for Mobile Banking”.

No personal or financial information is saved or stored on your mobile device. It’s also good idea to lock access your mobile device to prevent unauthorized access.

How do I set up Alerts for my accounts?
It’s easy. Just login and set up alerts in Mobile Banking from your Profile Menu.
What are the Text Commands for Text Banking:
  1. Text BAL to view balances on savings or checking
  2. Text BAL<nickname> for the available balance for that account
  3. Text BAL ALL for available balances on all accounts
  4. Text HIST for last 5 transactions for your primary account
  5. Text HIST<nickname> to receive transaction history for that account
  6. Text MORE with HIST command to get next 5 transactions
  7. Text NICK for all of your account nicknames
  8. Text STOP to discontinue Text Banking
  9. Text HELP for assistance with commands
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