Savings and Checking Accounts
Minors (under age 18) require a parent or legal guardian as joint member on the account. All programs require membership ($5 in a savings account).
Please visit any of our conveniently located branches or contact us for assistance at (808) 531-3711 or (877) 531-3711.
If you have an Aloha Rewards Checking account, you may order one box of APFCU-design checks per calendar year at no cost. Additional check order costs depend on the style/design of the checks.
If you have a regular checking account (no new accounts are offered), the fee is at cost, depending on the design.
Members are provided unlimited bill payment transactions per month per account at no charge.
When you specify overdraft protection from savings account, we will automatically transfer funds from the available balance in your savings to the checking account in the event your checking account balance is not sufficient to cover an item presented for payment.
Transfers from the savings account are made in the amount that is needed to cover the insufficient transaction amount and are subject to Regulation D, which limits the number of unsigned transfers to six (6) per month. There is a fee for the transfer.
Members are able to change their PIN on their ATM or debit card by visiting a branch. Call the Contact Center at 808-531-3711 or 1-877-531-3711 toll-free for more information.
Generally, checks must be deposited to the account of the payee. If your child is a minor, please bring their birth certificate and Social Security card along with the check to any of our branches. The manager will make the determination if we are able to negotiate the check for you.
Loan payments are accepted at Aloha Pacific Federal Credit Union branches, by telephone at (808) 531-3711 (or 1-877-531-3711), telephone banking (KalaTalk) and Online Banking.
Foreign checks are credited to members' accounts upon receiving the funds. This may take up to 30 days.
Please refer to the Personal Fee Schedule on the rates page or call us at (808) 531-3711 (or 1-877-531-3711 toll free).
Generally, the balance in the Holiday Savings is transferred on October 1 of each year. You may enroll at any time.
Please find more details on our Holiday Savings page.
Please contact us at (808) 531-3711 (or 1-877-531-3711 toll free) for assistance.
Courtesy Pay under the Electronic Funds Transfer Act (Regulation E) covers one-time debit card transactions when your account does not have sufficient funds to cover the debit(s).
Aloha Pacific FCU offers Overdraft Privilege, a non-contractual courtesy that is available to individually/jointly owned accounts in good standing for personal or household use.
Our fees are subject to change, so please contact us or visit the Personal Fee Schedule on the Rates page.
Overdraft line of credit is a loan product that's attached to your checking account. A credit limit is established and funds are advanced to cover any shortages in your checking account, up to the specified limit.
When your overdraft line of credit covers a Non-Sufficient Fund (NSF) item, you could avoid NSF fees, and any returned check fees that may be imposed by the merchant.
When you write checks and you do not have the available funds there will be an automatic transfer/advance from your available funds in your Overdraft Line to your checking account, in increments of $100, to cover the item(s).
There are no annual fees and no pre-payment penalties. Late payment fees do apply.
A credit application and approval is required for an overdraft line of credit account. You can apply online by visiting Personal Loans, or stop by one of our convenient branch locations.