Super Draft Checking

A checking account that offers you the following benefits:

  • Earn dividends like a savings account
  • No monthly balance requirements or monthly fees
  • Discounted Hawaii Central FCU custom checks
  • Duplicate copy of each check written
  • Overdraft protection by shares or a line of credit
  • ATM services for instant cash, 24 hours a day, at hundreds of machines in Hawaii and thousands more on the mainland and Canada
  • Cash super draft checks up to $2,000 per day at any Shared Branching location


All it takes to open a checking account is $1. You must visit our office and complete the necessary forms. If you are unable to visit us, contact us. We may be able to assist you.

To reorder your HCFCU checks, click here.

VISA® Debit Card

Our VISA® Debit Card offers members the convenience of a checkbook and ATM card in one. Use it for purchases at merchants displaying the VISA® logo and the purchase amount will be withdrawn from your Super Draft Checking Account. All transactions will be detailed on your monthly statement for easy recordkeeping. You may also use it to get cash from thousands of ATMs worldwide, some of which are surcharge-free.

Verified by VISA®

Verified by Visa is the new "free and easy" way to enjoy added security for all your online Visa card purchases.

Through our secure authentication process, your identity is protected and confirmed, with your personal password, each time you purchase at a participating merchant site.

With Verified by Visa, you can be assured that using your Visa card on the Web is just as safe as using it at a local merchant around the corner!