Checking Accounts

Get started with our simple and secure Share Draft Account
A basic account that meets your everyday needs.

Open an Account


With our checking account, LESS is MORE. A lot of banks seem to have a fee for everything. Fortunately, we’re not a bank. We are owned by you and work for you to give you control of your financial future. We want to help you pay less, so we provide our members with great features, like free easy-to-use online access, and the potential to earn dividends on your balance.

Share Draft

Perfect for you if:

  • You want an easy-access way to access your money.
  • You need options, not service fees.
  • You use your debit card often and want security.


  • Enjoy less fees which means more money in your pocket
  • Enjoy peace of mind knowing your Checking account is federally insured to at least $250,000¹, combined with your other accounts
  • Fraud Protection at your fingertips with the Maui FCU Mobile App

See Current Rates

Mobile Banking and Debit Card

Account Details

  • $1 minimum opening deposit
  • No monthly service fees
  • No minimum balance required
  • Dividends are calculated on the daily balance and paid monthly

All Maui Federal Credit Union Accounts Feature:

Looking for Youth Accounts?

We offer savings and checking solutions that help our youth start building financial habits early.

Learn More about Youth Account

Thinking about a big purchase?

Calculate how much you need to save.

Savings Calculator


Account Benefits

When you choose a Maui FCU Share Draft Account, you’ll get easy‑to‑use benefits that simplify your banking life.

Icon - Mobile WalletMobile Wallet

Icon - Mobile Deposit

Mobile Deposit

Icon - eStatements


Icon - Overdraft Protection

Overdraft Protection

Icon - Direct Deposit

Direct Deposit

Icon - Account Alerts

Account Alerts 

Icon - Reorder Checks

Reorder Checks

Icon - Bill Pay

Bill Pay 

Icon - Zelle

Zelle (Coming Soon)

Self Service 24/7

Debit Card Management at your Fingertips! Track your daily purchases and monthly subscriptions easily with your Maui FCU mobile app.

Learn More about Card Shield App

Overdraft Protection

Overdraft Protection gives you peace of mind should you accidentally overdraw your account. It’s a good habit to keep an eye on your finances and make sure you have enough funds in your accounts to cover your day-to-day expenses. Here at Maui FCU, we understand that sometimes overdrafts still happen. This protection ensures that overdrafts — including Debit/ATM transactions that exceed your available balance — are covered by another approved source of funds.


  • Your transaction will still clear even if you don’t have enough money in your account, helping to expedite transactions when you’re in a hurry.
  • The cost is usually less than paying an overdraft fee.
  • It may allow checks to clear, which in turn can help you avoid returned check fees from merchants.
  • It can provide access to funds in times of emergency.

We have Overdraft Protection options for you: 

Overdraft Transfer

  • Connects to your share account
  • Money automatically transfers if you don’t have the funds available in your share draft account
  • $5 charge per overdraft transfer (See Fee Schedule)
  • Saves expense of returned check or late fees from third parties

Line of Credit

  • Can be tied to your share draft account for overdraft protection
  • No fees per overdraft beyond interest accrued from Line of Credit balances (See Fee Schedule)

To set up overdraft protection for your account, visit one of our branches or contact us!

Contact Us

Reorder Checks

Need more checks? With Harland Clarke®, check ordering just got easier. It’s safe and simple to order and reorder checks.

Reorder Checks

1  Generally, if a member has more than one account of the same ownership, those accounts are added together and insured in the aggregate. There are exceptions though.  You may qualify for additional coverage on revocable trust accounts.  You may also obtain additional separate coverage on multiple accounts, but only if you have different ownership interests or rights in different types of accounts and you properly complete account forms and applications. Visit for more information.

 Ready to get started or join the Maui FCU Family?

STOP BY our main branch Get in Touch

More Goals, Less Bills, & More Time Together

Transfer high-rate balances to our low-rate solutions.

Learn More about Loans

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