Checking

No one's giving away great stuff these days. Except for us. Our totally free checking options come with digital banking tools and no-sweat ways to put extra cash back in your pocket.

A totally modern approach to money management

Let's be honest - paper checks are just one small part of today's checking accounts. You also expect a free debit card, access to a nationwide ATM network, 24/7 Online Banking and a user-friendly mobile app. At Maui County FCU, we meet all those expectations - and then go way beyond them with money-making opportunities.

Share Draft Account

Even our basic checking account is jam-packed with high-value features. (These benefits are also included with our other checking options.)

  • No monthly service charges
  • Earn dividends on deposits
  • Free Visa debit card, with option to personalize
  • Earn rewards points with Visa debit card purchases
  • Free Online and Mobile banking
  • Access to 30,000-plus surcharge-free ATMs across the islands and all over the U.S.
  • Free checks with Direct Deposit, or if you're age 55 or over
  • Unlimited check-writing

Malama Rewards Checking

In addition to the benefits outlined above, you can easily qualify for even higher dividend payments, like the ones we normally pay on our Share Certificates.1 To do so, you must take these steps:

  • Have at least one ACH deposit or ACH withdrawal each month
  • Perform 10 or more signature (non-PIN) debit card transactions
  • Enroll in and agree to receive e-Statements

Cash-Back Checking

Use your debit card to rack up extra dough. You get all our other checking benefits, plus 4% back on debit card transactions - up to $10 per month.2 Here's how to qualify:

  • Have at least one ACH deposit or ACH withdrawal each month
  • Perform 10 or more signature (non-PIN) debit card transactions
  • Enroll in and agree to receive e-Statements
COMPARE OUR CHECKING ACCOUNTS:
MCFCU Checking Accounts Share Draft
Basic Checking
Malama Rewards
High Dividend
Yielding Checking
Cash Back Rewards
Cash Back Checking
Best for members who want Everyday Value Higher Yields Cash Earnings
Monthly service fee None None None
Minimum balance requirement None None None
Earns dividends -
Earns Cash back - -
Free Visa Debit Card
Earn reward points with Visa Debit Card purchases
Free mobile card controls by Card Valet
Free credit score and monitory by Credit Sense
Eligible for ATM fee refunds -
Free Online Banking and Mobile App
MCFCU Basic Checks Free with direct deposit or if you are age 55+ Free with direct deposit or if you are age 55+ Free with direct deposit or if you are age 55+
Unlimited Check Writing
Monthly Qualifications None
  • Minimum debit card and ACH transaction requirements
  • Must enroll in and agree to receive E-statements
  • Minimum debit card and ACH transaction requirements
  • Must enroll in and agree to receive E-statements

1Please see our Truth in Savings Disclosure regarding our Malama Rewards Checking.
2Please see our Truth in Savings Disclosure regarding our Cash Back Rewards Checking.