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Courtesy Overdraft Program

Courtesy Overdraft gives you peace of mind when unplanned overdrafts occur. Whatever the reason, a bounce a check could occur - it happens. By being part of the Courtesy Overdraft Program it helps eliminate the worry and headaches that come with returned items and may save you the expense of return check fees. Instead of paying their fee and our fee and other expenses associated with a returned item - we've got you covered for only $20 per item.

Our Courtesy Overdraft Program is available to members who meet the following criteria and opt-in to the service.

  • Account was established at least 60 days ago
  • Account cannot have a zero balance for the last 30 consecutive days
  • The account was not overdrawn for the last 15 consecutive days
  • Your account is not subject to any legal or administrative orders or levies
  • You are current on all Hawaiian Financial FCU loans
  • Your address on file with us is current
  • Your membership is in good standing

Opt In Now

Discretionary Courtesy Overdraft Program Disclosure.
Additional information about our Courtesy Overdraft Program.