KalaRewards Checking

Earn interest on your checking balance. This is a free checking account that pays bonus rates on balances up to $50,000.

Monthly requirements for earning a bonus rate are:

  • 10 check card purchases
  • Direct deposit (or ACH bill payment)
  • Electronic statement
Basic free account services include:
  • Unlimited check writing
  • FREE personal basic checks (one box/year)
  • FREE ATM cash withdrawals at APFCU, CO-OP & First Hawaiian Bank, American Savings Bank, Hawaii National Bank and Bank of Nevada ATMs*
  • FREE ATM/VISA® check (debit) card
  • FREE internet banking
  • FREE mobile & text-message banking**
  • NO minimum balance
  • NO teller fees

Become a Member Today!

To apply for membership, please complete the application form available online and bring it to any of our APFCU branches on Oahu and in Las Vegas.

Join Today

Membership ($5 in Savings) required for service. Other requirements may apply. Account closing may result in forfeiture of dividends earned for the current month. Other conditions may apply. See branch for details.

*Five (5) non-APFCU ATM withdrawal fees are waived per month. ATM surcharge fees charged by the ATM owner may apply. First Hawaiian Bank, American Savings Bank, Hawaii National Bank, Bank of Nevada and CO-OP network ATM surcharge fees are waived. Fees may reduce earnings. Some restrictions may apply. Terms, conditions and rates subject to change after the account is opened. Refer to account rules and regulations, fee schedule, rate sheet and other disclosures. Contact a branch for more details about applicable fees and terms.

**Mobile and text-message banking are available free to all members with web-capable / text-capable mobile phones. Standard data / text usage fees apply; contact your carrier for details.