Personal > Checking


With a Hawaii Central Share Draft Checking Account, you can use your money how you wish, whenever you want, with unlimited transactions, and no minimum balance, all while earning dividends.


Share Draft Checking


Checking Benefits

A checking account that offers you the following benefits:

  • Earn dividends
  • Cash share draft checks up to $2,000 per day at any Shared Branching location 
  • Overdraft protection

Visa® Debit Card

Our Visa Debit Card offers members the convenience of a checkbook and ATM card in one. Use it for purchases at merchants displaying the Visa logo and the purchase amount will be withdrawn from your Share Draft Checking Account.

Debit Card Benefits:

  • No monthly balance requirements or monthly fees
  • Surcharge-free ATM services for instant cash, 24/7, at hundreds of machines in Hawaii and thousands more on the mainland and Canada
  • Add to Apple Pay, Google Pay, or Samsung Pay
  • Visa Secure

*APY=Annual Percentage Yield.