No monthly service fee
Basic Checking
Money in. Money out. One account, built around simple.
Includes a contactless Visa debit card
Earn rewards for debit card purchases
24/7 digital banking and bill pay
Unlimited surcharge-free ATMs
Visa fraud protection
Your finances simplified
Not every checking account needs to do more. If you want an account that's simple to open, costs nothing to maintain, and doesn't ask you to track requirements to avoid a penalty, that's exactly what Basic Checking is built for.
No monthly maintenance fee.
Low minimum opening deposit: Open your account with just $25.
Dividend rate: Earn 0.025% APY when your balance is $100 or more — no activity requirements to track.
Free contactless Visa debit card, earning rewards points on every purchase.
30,000+ surcharge-free ATMs nationwide.
Free digital banking to pay bills, transfer funds, and monitor your account anytime.
Unlimited free checks with direct deposit, or if you're age 55+.
Manage your money with Maui County Federal Credit Union's personal checking accounts, designed for simple banking with secure service. Open a checking account today.
Basic Checking is likely a good fit if:
You want the simplest possible account, with nothing to monitor or qualify for.
You're not able to consistently meet monthly debit card or ACH activity.
You'd rather have predictability than chase a higher rate.
You may prefer a different account if:
You already use your debit card regularly and have direct deposit — Malama Rewards Checking could earn you a meaningfully higher rate for the same behavior
You want cash back specifically on debit purchases — see Cash Back Checking.
Basic Checking FAQs
No
$25 minimum opening deposit.
Keep a balance of $100+ — no monthly activity required.
Yes — rewards points on every purchase. Points are redeemable for cash back.
No. If you already use your debit card and have direct deposit or another regular ACH transaction, Malama Checking can earn up to 5.00% APY on the same balance.
No — see Cash Back Checking for 4% cash back on debit purchases (up to $10/month).
Yes — unlimited free checks with direct deposit, or if you're age 55+.
Resources for Managing Your Money
Helpful resources, financial education, calculators, and guidance to help you save smarter and handling your finances with confidence.
Plan your budget and track your spending with confidence.
Learn how to keep your accounts and information secure.
Bank smarter with convenient digital tools and features.
View current rates for checking & savings accounts.
Plan your budget and track your spending with confidence.
Learn how to keep your accounts and information secure.
Bank smarter with convenient digital tools and features.
View current rates for checking & savings accounts.
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CU Rewards program
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Add to mobile wallet for added layer of security
Debit Card
A faster way to pay
Securely tap to pay everywhere your debit card is accepted.
Open an Account