Deposits and Check Cashing
If you have your checking account at the Credit Union, you may make deposits to your account at any Bank of Hawaii branch office or full service Bank of Hawaii ATM machine. You must use your own deposit ticket to ensure proper credit. Do NOT use Bank of Hawaii's deposit ticket.
Also, you may cash your Credit Union check up to $200.00 daily at any Bank of Hawaii branch office.
Guaranteed Auto Protection (GAP) Waiver
Should your auto be stolen or totaled, the insurance settlement can be less than the outstanding balance of your auto loan which you would still be responsible for. The GAP Waiver is designed to cover the remaining balance of your loan that the insurance settlement does not cover.
Accidental Death & Dismemberment (AD&D) Insurance
The Credit Union provides a $2,000.00 AD&D Insurance to you at no cost. To participate, you must complete an enrollment form. Additional coverages up to $250,000.00 are available. Please call the credit union for a brochure and enrollment form to sign up or to increase coverage.
Credit Disability Insurance (CDI)
If you make your loan at the Credit Union, you may be eligible to take this Payment Protection insurance. It is designed to pay your loan payments (up to the contract limit) if you become ill or disabled and are unable to work. Call or come in to speak to a loan officer for more details and a brochure.
Credit Life Insurance (CLI)
If you make your loan at the credit union, you may be eligible to take this Payment Protection insurance. It is designed to payoff the insured balance (up to the contract limit) on your loan if you die. Call or come in to speak to a loan officer for more details and a brochure.
Money Orders
Members can purchase Money Orders to pay bills or to send a payment to those places that do not accept cash or personal checks. There is a nominal charge for Money Orders.
Notary Public Service
The credit union offers free notary service to our members. For non-members there is a nominal charge. Please call to schedule an appointment.
Overdraft Privilege Program (OPP)
Occasionally you may find yourself a little short or have miscalculated your checking account balance. In instances like these, OPP may be helpful. Members in good standing are allowed to overdraw their account up to a specified limit with an overdraft fee. It's cheaper than being charged a return check fee from the merchant AND the credit union while still ensuring that your check will be paid. It also saves you the embarrassment of a return check. Additionally, in most cases it's less costly than late fees if you utilize the program to pay for outstanding bills. Call us for more details.
Overdraft Protection
The credit union offers 2 types of Overdraft Protection on your Share Checking. The first type is a transfer from your Share Savings. The second is a transfer from a Line-of-Credit. Funds will transfer automatically from either source if an item is presented for payment and there are not sufficient funds in your Share Checking Account. There is no charge for the transfer. Please call for more details and enrollment.
Traveler's Cheques
Going on a vacation? We can help. The credit union offers American Express Traveler's Cheques free for our members. We also offer Cheques for Two at a nominal fee. They're accepted worldwide and much safer than cash. Should the Cheques be lost or stolen, they are usually replaced within 24 hours.
Wholesale Club Membership
Members of the credit union are eligible to join Costco Wholesale and Sam's Club. Just bring proof of your credit union membership when you apply.
Wire Transfer
Need to send funds in a hurry elsewhere? The credit union can wire funds to other institutions throughout the world. For domestic wires, if we receive your request by 9:00 a.m., the funds will be sent out and in most cases credited to your account the same day. International wires may take a day or two longer.
