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Checking Account

Checking Account

One of the better checking products available is the Lōkahi FCU dividend-earning* Checking Account with a range of features to meet your needs.

Features & Benefits

  • No minimum balance.
  • No monthly service charge.
  • Unlimited check-writing privileges on available funds.
  • Surcharge-free access at any Lokahi FCU-owned ATM.
  • Up to 6 surcharge-free transactions per calendar month at any First Hawaiian Bank ATM and at over 25,000 CO-OP ATMs ($2 charge for every withdrawal thereafter for the month).
  • Free Lokahi FCU Debit Card. It's a Debit card and an ATM card for your purchasing and cash convenience.
  • Free Online Banking and Bill Payment.
  • Free Audio Response, a 24/7 automated, telephone teller service.
  • Overdraft Protection Line of Credit available to qualifying members with limits of $300 to $5,000.
  • Overdraft Privilege, a discretionary overdraft service that pays overdrafts for ATM and everyday Debit card transactions.

*Dividends are calculated on the Daily Balance method and paid monthly.

Card Control

Our Card Control app offers various tools to help protect your identity and finances.

Card Control Details
Skip-A-Pay

Navigate your way through life's surprises by taking advantage of our all-new Skip-A-Pay program

Program Details
Credit Cards

Our credit cards feature competitively low interest rates, no annual fee and no balance transfer or cash advance fees.

Credit Card Details
First Time Borrower Program

This program provides first time borrowers an opportunity to build their credit.

Program Details
Become a Member

We have three convenient ways to open an account today.

Join Us