One of the better checking products available is the Hickam FCU dividend-earning* Checking Account with a range of features to meet your needs.

• No minimum balance.
• No monthly service charge.
• Unlimited check-writing privileges on available funds.
• Surcharge-free access at any Hickam FCU-owned ATM.
• Up to 6 surcharge-free transactions per calendar month at any First Hawaiian Bank ATM and at over 25,000 CO-OP ATMs ($2 charge for every withdrawal thereafter for the month).
• Free MyFace Hoku CheckCard. It's a Debit Card and an ATM card with your portrait as a security feature.
• Free Online Banking and Bill Payment.
• Free Audio Response, a 24/7 automated, telephone teller service.
• Overdraft Protection Line of Credit available to qualifying members with limits of $300 to $5,000.
• Overdraft Privilege, a discretionary overdraft service that pays overdrafts for ATM and everyday Debit Card transactions.

*Dividends are calculated on the Daily Balance method and paid monthly.