Kasasa® Checking Accounts

Get more rewards than ever before for your everyday purchases.

Maximize Rewards, Your Way

Life is more expensive these days. You are paying more for groceries to gas, why not get more rewards for your everyday purchases? Our upgraded Kasasa® Checking offers two options to boost your rewards and create a brighter financial future.

Cash Rewards Every Month

Cash in with a Kasasa® checking account that pays you back. Just qualify by completing 1 direct deposit/ACH payment or credit transaction, enrolling in e-statements, and making 18 debit transactions!

Refunds on ATM Fees

With a Kasasa® account, every ATM is your ATM here in Honolulu and nationwide.

No Monthly Fees

With a minimum deposit of $5, you can live free of fees with our completely free Kasasa checking accounts.

Get More with Kasasa®

Earn interest, write unlimited checks and get a no-fee Debit VISA® with any Kasasa® account.


Free Kasasa Cash® – 4.75% APY*
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4.75% APY*

Enjoy free checking that earns a really high rate:

4.75% APY* on balances up to $20,000.

  • Free checking account
  • Higher dividends
  • Refunds on ATM fees, nationwide (up to $25 monthly)
  • See Rates and Terms

Free Kasasa Cash Back® – 5% Cash Back
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Bring balance back to your wallet:

5% cash back on debit card purchases.*
No category restrictions on purchases.
Cash back earned on up to $500 in purchases monthly
Earn up to $25 cash back per month.

  • Free checking account
  • Cash back on purchases
  • Refunds on ATM fees, nationwide (up to $25 monthly)
  • See Rates and Terms

*APY = Annual Percentage Yield. APYs accurate as of 09/01/2023. Minimum to open a Kasasa checking is $5.00. HOCU/Honolulu Federal Credit Union membership is also required. Fees could reduce earnings on this account. Rates and rewards are variable and may change after account is opened without notice to you. To qualify for Kasasa Cash and Cash Back rates, you must: (1) Have at least eighteen (18) debit card purchases (ATM-processed transactions do not count); (2) Be enrolled in and agree to receive e-statements; (3) Have at least one (1) direct deposit, ACH payment, or ACH credit transaction(s). Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is defined as a period beginning on the last business day of the prior calendar month and ending on the next-to-last business day of the calendar month in which dividends are paid. Limit one Kasasa Checking account per Social Security Number. Federally insured by NCUA. Plus, ATM Refunds nationwide when monthly qualifications are met. Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25.00 ($4.99 per single transaction) and credited to the account on the first day of the next monthly statement cycle. Reimbursement only applies if the ATM withdraw is from Kasasa checking account. Kasasa, Kasasa Cash and Kasasa Cash Back are trademarks of BancVue, Ltd., registered in the U.S.A.

Let HOCU Help You

A better financial future is within reach. Get in touch to get started!


General Inquiries: (808) 777-JOIN [5646]
Loan Inquiries: (808) 777-LOAN [5626]
Email: info@myhocu.com


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With over 30,000 surcharge-free CO-OP network ATMs across Hawaii and nationwide, HOCU makes accessing your money easier for you. Call us at 777-JOIN to learn more!

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