Checking Comparison

Our Aloha Rewards Checking suite offers three checking accounts. You can earn reward points, or cash back, or receive a higher yield on your monthly balance. Choose the one that works best for you, and enjoy more benefits.

Plus, any of these accounts can be tied to an Aloha Rewards Money Market Savings account that can earn a higher APY* for certain balances.

Aloha Points

Your Rewards

1 reward point for every $2 signature-based debit card purchase
No monthly requirements. Redeem points for gift cards, travel and more. Points don’t expire.

Free Checking

YES

If you use any non-APFCU ATM, and we’ll refund your withdrawal fees†

YES

ATM Surcharge Rebates, up to $20 monthly ††

YES

Free Online and Mobile Banking with Free Bill Pay**

YES

Free Checks
(one standard box each year)

YES

Free VISA® debit card

YES

No Minimum Balance

YES

Minimum Opening Deposit

$10

Aloha Cash Back

Your Rewards

3% cash back on your debit card purchases
Up to $9 cash back each month, $108 annually, if monthly requirements are met.

Free Checking

YES

If you use any non-APFCU ATM, and we’ll refund your withdrawal fees †

YES

ATM Surcharge Rebates, up to $20 monthly ††

YES

Free Online and Mobile Banking with Free Bill Pay**

YES

Free Checks
(one standard box each year)

YES

Free VISA® debit card

YES

No Minimum Balance

YES

Minimum Opening Deposit

$100

Aloha Advantage Rate

Your Rewards

5.00% APY on balances up to $10,000, effective 7/1/23
0.03% APY if monthly requirements aren’t met. See current rates. APY = Annual Percentage Yield

Free Checking

YES

If you use any non-APFCU ATM, and we’ll refund your withdrawal fees †

YES

ATM Surcharge Rebates, up to $20 monthly ††

YES

Free Online and Mobile Banking with Free Bill Pay**

YES

Free Checks
(one standard box each year)

YES

Free VISA® debit card

YES

No Minimum Balance

YES

Minimum Opening Deposit

$100
Maximize your Rewards when you satisfy these monthly requirements
  1. Use your debit card to make at least 12 purchases
  2. Post at least one electronic (ACH) deposit or withdrawal
  3. Enroll in Online eStatements
  4. Log in to Online or Mobile Banking at least once each month †††
All these requirements are waived for the first three months when you open your new account!


Back to Comparison Chart

No matter which Aloha Rewards Checking account you choose, you’ll always get these FREE benefits:
  • No monthly service fee
  • No minimum balance
  • FREE cash withdrawals at Aloha Pacific Federal Credit Union ATMs
  • SURCHARGE-FREE ATM withdrawals at First Hawaiian Bank, American Savings Bank, HomeStreet Bank and CO-OP network credit unions nationwide
  • FREE Visa® debit card – receive yours in just minutes at a branch
  • FREE Debit Card Control – turn your card off or on, set up alerts
  • FREE Online banking & online bill payment service
  • FREE Mobile banking** with Mobile Check Deposit
  • FREE Text-message banking**
  • FREE banking by phone
  • FREE standard personal checks (one box per year)
  • Unlimited check writing
  • No teller fees
  • No annual fee Overdraft Protection from Savings
  • No annual fee Overdraft Line of Credit (subject to credit approval)
Aloha Rewards Money Market Savings

Boost your savings! When you meet the monthly requirements for your Aloha Rewards Checking account, you’re eligible to earn a higher interest rate on your Aloha Rewards Money Market savings account.

See current rates. Open your account today.

Open an Account Now!

Not yet a member of Aloha Pacific? You can be. Visit any branch or open a Savings account online. If you're already a member, you can open a checking account and an Aloha Rewards Money Market Savings online, too!

Open An Account

Membership ($5 in Regular Savings) required for service. An account closing fee will be assessed for any and all accounts that are closed within six months after enrollment. Refer to Agreements & Disclosures and Rate & Fee schedule. Terms, conditions and rates subject to change after the account is opened. Some restrictions apply. See branch for details.

* APY = Annual Percentage Yield

** Standard data/text usage fees apply; contact your carrier for details.

† The first 5 non-APFCU ATM withdrawal fees each month are waived. After that there is a charge of $2 per withdrawal. If monthly requirements are met, you will receive a refund on all $2 withdrawal fees. Refunds will be credited at the end of each month.

†† ATM surcharge fees are additional fees imposed by the ATM owner, and are usually charged at the time of withdrawal. If monthly requirements are met, surcharge fees incurred up to $20 per month will be rebated at the end of each month.

††† Must log in at least 2 days before the end of the month.