Checking accounts


We offer a deposit product to meet your needs.

If you’re with another institution, switch your accounts to Hotel & Travel Industry Federal Credit Union anytime from anywhere. It’s quick and easy with our Switch Kit.

Keep life simple and organized with a Share Draft Checking Account from HTIFCU. Our Share Draft Accounts are easy to use, offer 24/7 access to your account, and lots of freebies.

 *Federally insured by NCUA.


Unlimited Share Draft Account

This is a non-interest-bearing checking account with no minimum balance requirement and no monthly service charge.

  • Free online banking, bill payment, & e-Statements

  • Free use of all American Savings Banks & Co-Ops ATMs

  • Free direct deposit & payroll deduction

  • Free financial counseling

  • Overdraft protection options are available, providing protection against an overdrawn account 

All members are eligible to apply for an overdraft line of credit up to a limit of $10,000. Call Member Services at (808) 942-5115 Ext. 221 for more details


Limited Share Draft Account

This is an interest-bearing checking account with a monthly minimum balance of $300. If your balance dips below $300, then a monthly fee will be assessed.

  • Free online banking, bill payment, & e-Statements

  • Free direct deposit & payroll deduction

  • Free financial counseling

  • Overdraft protection options are available, providing protection against an overdrawn account 

All members are eligible to apply for an overdraft line of credit up to a limit of $10,000. Call Member Services at (808) 942-5115 Ext. 221 for more details


Debit Card

This is an interest-bearing checking account with a monthly minimum balance of $300. If your balance dips below $300, then a monthly fee will be assessed.

  • Free online banking, bill payment, & e-Statements

  • Free direct deposit & payroll deduction

  • Free financial counseling

  • Overdraft protection options are available, providing protection against an overdrawn account 

All members are eligible to apply for an overdraft line of credit up to a limit of $10,000. Call Member Services at (808) 942-5115 Ext. 221 for more details