Standard Checking

Simple, smart, and built for everyday life. The Lōkahi FCU Standard Checking account gives you all the essentials—no monthly service fees, no complicated requirements, just reliable access to your money. Enjoy the convenience of debit card access, online banking, mobile tools, surcharge-free ATM access, and easy online bill payment to keep your finances running smoothly wherever you go

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.

Open a Standard Checking Account

Lōkahi FCU membership is required to open and maintain a Standard Checking account. This account does not earn dividends and does not offer rewards or other benefits. There are no monthly qualification requirements. An account closing fee applies to any account closed within ninety (90) days of opening. Please refer to our Membership Agreement and Fee Schedule for complete details. Terms and conditions are subject to change after account opening. Some restrictions may apply. Fees may apply and may reduce available funds.

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