HONEA Merger FAQ’s

HONEA Merger FAQ’s

Welcome to HOCU

It’s now official! Honea Federal Credit Union will merger with HOCU (Honolulu Federal Credit Union) on December 1, 2021. We’re excited to have you and want answer any questions you have.

You should of received a Welcome Packet in the mail with more information about the merger. Click here to view a digital version of the Welcome Packet.

Attached below is a list of FAQs about the merger and what to expect as the newest HOCU member.

Don’t see what you’re looking for? Send us a question here.

General Merger FAQs

No, membership eligibility is transferred with the merger of HONEA FCU with HOCU. Membership with HOCU is effective December 1, 2021.

Yes, you will be issued new account number(s). Your HOCU account number will be eight digits. Part of your current HONEA account number will be used to fill the eight digits that is required. An added prefix number of 55 will be used followed by zero(s) if applicable. See examples below:

    55 (Prefix) +123456 = 55123456
    55 (Prefix) +12345 = 55012345
    55 (Prefix) +1234 = 55001234

At the close of business day on November 30, 2021, your account balances will be transferred to your new HOCU account.

Yes. You will receive a final HONEA statement for the month of November 2021 (received in December 2021).

HOCU will send account statements beginning in December 2021 (received in January 2022).

HOCU offers similar products and services that you are currently receiving from HONEA. We do offer a wide variety of products and services that can fit your financial needs. Please visit myhocu.com or call us at 808-777-5646 for more information.

Starting on December 1, 2021, HONEA members will have access to HOCU’s Shared Branching options. HOCU is a participant in the CO-OP network, offering access to over 30,000 ATMs nationwide without surcharges.

Checking Accounts

On December 1, 2021, HOCU will convert your Your Choice Checking and/or Share Express Accounts into one HOCU checking account.

Your entire balance will be transferred to this new account with the same rates and conditions.

You can continue to use your HONEA debit card until 9 pm on November 28, 2021. Your card will no longer be active after this date.

If you currently have a HONEA debit card, you should receive a new HOCU debit card by November 20, 2021. We recommend that you activate your new HOCU debit card as soon as you receive it. Once your new card has been activated, we recommend that you destroy your HONEA debit card after November 28, 2021. You may start using your new HOCU debit card on December 1, 2021, at the start of business day.

You will receive a complimentary box of 80 checks before November 28, 2021. You can start using your HOCU checks on December 1, 2021, at the start of the business day.

You can continue to use your HONEA checks until November 28, 2021. For security purposes, we recommend shredding your supply of HONEA checks.

Savings Accounts

On December 1, 2021, HOCU will convert all HONEA Regular Share Accounts into HOCU Regular Share Accounts. No action is necessary on your part. Your entire balance will be transferred.

Keiki Club accounts are coming over “as is” and will convert to a HOCU Regular Share account when the primary member on the account reaches the age of 17.

Christmas Club accounts are coming over “as is.” Any new Christmas Club accounts opened on or after December 1, 2021, will follow HOCU’s Christmas Club account rates, terms, and conditions.

Share Certificates

On the close of business day on November 30, 2021, all accrued interest will be posted to your certificate account. If your certificate(s) mature on November 26 through November 30, 2021, it will not renew and will be closed.

On December 1, 2021, your Term Share Certificate(s) will transfer over to HOCU. Terms and conditions will remain the same as HONEA.

Electronic Services

On November 28, 2021, online banking with HONEA will no longer be available. You will need to enroll for online banking with HOCU. Visit a HOCU branch, log onto your account at myhocu.com, or call us at 808-777-5646 to enroll.

Your existing Direct Deposit and Payroll will be re-routed to your new HOCU account. During this time, please inform your direct deposit and/or payroll providers about your new HOCU account number and routing number to ensure there are no interruptions to the receipt of your deposit. Please visit a HOCU branch, log onto your account on myhocu.com, or call us at 808-777-5646 for more details.

On November 28, 2021, bill pay with HONEA will no longer be available.

You will need to enroll in HOCU online banking, and then sign up for bill pay. Member needs to have a HOCU checking account to use bill pay. For more information on how to enroll, visit a HOCU branch, log onto your account at myhocu.com, or call us at 808-777-5646.

To ensure that your payments will continue to be processed, please contact the companies that process automatic payments from your checking account and inform them of your new HOCU account number and routing number.

Our routing number is 321379164.

You can receive statements electronically by enrolling through HOCU’s online banking. For more information on how to enroll, visit a HOCU branch, log onto your account on myhocu.com, or call us at 808-777-5646.

Yes, HOCU provides members with incoming/outgoing wire transfer services. For breakdown on costs, please refer to HOCU’s Fee Schedule in the Disclosure and Fees section of the Welcome Packet.

Yes, HOCU offers a mobile banking app for Apple IOS and Android devices. You must be first enrolled in online banking to use the mobile banking app.

On November 28, 2021, HONEA’S Tell Talk system will no longer be available.

Your Automatic Transfer service between your HONEA accounts will automatically be set up with your new HOCU account(s). Automatic loan payment transfers from your HONEA account to your HONEA loan will automatically be set up with your new HOCU account(s).

Home Equity Line of Credit (HELOC), Personal Loans, Auto Loans, and Overdraft Line of Credit

No change. No action required on your part.

You will receive a monthly statement that includes a payment amount and your current balance.

Loan payments can be made at any HOCU branch location. If you need to mail in a payment, please send it to the following address:

Honolulu Federal Credit Union (HOCU)
PO BOX 235862
Honolulu, HI 96823

If you have a current HELOC loan that has draft writing capabilities, please contact HOCU to order new drafts.

You can continue to use your HONEA HELOC drafts until November 28, 2021. After November 28, 2021, please destroy any remaining HONEA HELOC drafts and begin using the new HOCU HELOC drafts you receive.

HONEA Merger FAQ’s

Can’t Find Your Answer?

If you have questions not addressed on this page, please go to myhocu.com/send-us-an-email. This webpage will be updated with new information throughout the merger for HONEA members.

You can also visit one of our HOCU branches or call 808-777-5646 to speak with one of our team members.

You are now leaving myhocu.com

HOCU provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by HOCU, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL