Rate & Fee Schedule

Savings Account Fees

Regular Share
Average Daily Balance of $100 or higher	No Charge
Average Daily Balance below $100	$1.00/month
Money Market Savings
Average Daily Balance of $500 or higher	No Charge
Average Daily Balance below $500	$1.00/month
Kids Club (for ages 0 - 12 years old)
A Minimum Balance Required	$25.00
Monthly Service Fee	None
Advantage Savings (for ages 13 - 22 years old)
A Minimum Balance Required	$25.00
Monthly Service Fee	None

Checking Account Fees

Preferred Checking
Average Daily Balance of $400 or higher	No Charge
Average Daily Balance below $400	$5.00/month
Monthly service fee waived for members with a minimum direct deposit of $200 per pay period to Preferred Checking, age 55+, or $50,000+ on deposit with the Credit Union.
Value Checking
Average Daily Balance	None
Monthly Service Fee	None
Advantage Checking (for ages 16 - 22 years old)
Average Daily Balance	None
Monthly Service Fee	None
Non-Sufficient Fees	$10.00/item
One order free on HIFICU Custom Checks per year. Account does not earn dividends.
Stop Payment Fee	$20.00/item
Check Copy Fee	$3.00/item
Non-Sufficient Funds Fee*	$20.00/presentment
Courtesy Overdraft Fee** Refer to corresponding brochure for details.	$20.00/presentment

* A Non-Sufficient Funds Fee is assessed each time an item is presented against insufficient funds. Any item (check, ACH, or other electronic transaction) that is initially returned to the payee because the Available Balance in your account was not sufficient to cover the item can be represented by the payee for payment multiple times, which is beyond our control.  We will charge a Courtesy Overdraft Fee or Non-Sufficient Funds Fee regardless of the number of times an item is presented to us for payment against insufficient funds, and regardless of whether we pay or return the item.

** Accounts will be assessed the “Courtesy Overdraft Fee (Standard or Extended Coverage) for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid. An overdrawn balance must be repaid within 30 days. We may not pay items under your Courtesy Overdraft Program limit if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty (30) day period for a minimum of 24 hours, if you default on any loan or other obligation to us or if your account is subject to any legal or administrative order or levy.”

Check Fees

Teller Check Fee	First One Free
(Fees on Daily Basis)	$5.00/check
Teller Check Stop Payment Fee	$20.00/item
Non-member (exchange for HIFICU share draft)	$10.00 First Draft Order
First Draft Order
HIFICU Custom Checks (60 drafts with duplicate)	No Charge*
All other styles	At Cost
Draft Reorders
With Direct Deposit, Age 55+, or $50,000 on deposit:
HIFICU Custom Checks (60 drafts with duplicate)	No Charge*
All other styles	At Cost
Without Direct Deposit:
All styles	At Cost
Vinyl Covers	No Charge
Wallets and Other Items	At Cost
*Reorders are limited to 1 box per order.

ATM Fees

Withdrawal, Transfer, Balance Inquiry, Denial Fee at Hawaiian Financial FCU ATMs and Bank of Hawaii ATMs, and Deposits made at HIFICU ATMs
First 10 per month	Free**
Advantage Shares/Checking	Free**
ATM fee after first 10 free per month at HIFICU ATMs and Bank of Hawaii ATMs	$1.00
Withdrawal, Transfer, Balance Inquiry, Denial Fee at Non-Hawaiian Financial FCU ATMs and Non-Bank of Hawaii ATMs	$1.00**
**When you use an ATM not owned by us or Bank of Hawaii, you may be charged a fee by the ATM operator and any network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer. Such fees are in addition to the $1.00 fee that HIFICU charges.

Home Branching & Home Branching BillPayer

Home Branching Enrollment	Fee waived until further notice+
Home Branching BillPayer	Fee waived until further notice*
Check Copy Fee	$3.00/item
Stop Payment Fee	$20.00/item
Non-sufficient Funds Fee	$20.00/presentment
Reconnect Fee (service cancelled w/90 days of inactivity)	$4.00
+Regular fee is $2.00/mo. (free w/ direct deposit or Student Checking)
*Regular fee is $4.00/mo. Available only to members with Share Draft Accounts.

Safe Deposit Box Fees

Annual Rental
Size: 5 x 5 x 24	$35.00
Size: 3 x 10 x 24	$45.00
Size: 5 x 10 x 24	$70.00
Size: 10 x 10 x 24	$120.00
Change of Lock Fee	At Cost
Drilling of Box Fee	At Cost
Key Deposit	$10.00

Outgoing Wire Fees (per transfer)

Domestic	$35.00
International	$40.00
(Outgoing wires must be done in person and received by 9:00am. All wires received after 9:00am will be sent the following business day.)

Incoming Wire Fees

Incoming Wire Fee	No Charge
Incoming Wire Instructions:
Credit:	Hawaiian Financial Federal Credit Union 1138 North King Street Honolulu, HI ABA# 3213-7907-0
Final Credit:	Member's Name Account Number-sub account

Foreign Currency Exchange Fees (per transaction)

Sell to Member (up to $350 U.S.)	$15.00
Sell to Member (over $350 U.S.)	$5.00
Buy from Member (any amount)	$5.00
Returns within 5 business days	$5.00
Returns over 5 business days	Buy Rate

VISA Gift Card

Issuance Fee	$3.00
Card Replacement Fee*	$10.00
*A lost, stolen, or damaged Card replacement fee will be imposed for the replacement of the Card and will be deduced from the remaining balance.

Other Service Fees (applicable to all accounts)

Account Reconciliation	$15.00/hour
Account Research Fee	$15.00/hour
Statement Copy, Statement Duplicate or Account History	$2.00/copy
Account Closure Fee within 90 days	$25.00
Money Order	$2.00/item
(Maximum Dollar Amount Available)	$1,000.00
ShareCard or CheckCard Replacement
Fee for Lost Cards	$10.00
PIN Replacement Fee	$1.00
Legal Processing Fee (Garnishment, Levies)	$40.00
Document Review Fee	Actual Charges May Apply
Return Deposit Fee	$5.00/item
Return Deposit Fee (Shared Branching Returns)	$15.00/item
Inactive Account Fee (after three years no activity	$5.00/month
Special Handling for Abandoned Account Fee	$30.00/item
Return Payment Fee	$20.00/item
ACH Stop/Revocation	$20.00/item

Credit Union Membership

Membership Share Par Value

$5.00