These days, a checking account with a debit card and online access is a fundamental part of convenient banking. That's why Wailuku Federal Credit Union offers checking accounts with debit cards for ATM cash withdrawals and point-of-sale purchases, along with a free first batch of checks and free bill pay. You may use your debit card to do cash withdrawals at any American Savings Bank ATM without incurring a surcharge. A surcharge is a fee that the ATM owner charges a non-customer cardholder for using their machine.
In addition, Card Valet is available to our debit cardholder. Card Valet is a valuable tool that provides card management and fraud mitigation. Card Valet allows the cardholder to:
- Turn your debit card on and off.
- Establish transaction controls for dollar amount limits, merchant categories and geographical locations.
- Receive alerts when your debit card is used, approved and exceeds the transaction control set by you.
- Stay informed of potential fraud with alerts on attempted and declined transactions.
- Get real-time balances for your accounts.
Remote Deposit Capture
Our checking accounts also offer Remote Deposit Capture (RDC), meaning you can make a check deposit by taking a picture of the check with your mobile phone. For your convenience, you can fully manage your checking account online, which includes viewing images of your canceled checks.
In addition, our checking accounts pay dividends, which are equivalent to the interest you usually only earn on savings accounts. And our checking accounts have no minimum balance after an opening minimum deposit of only $50; therefore, you don't need to worry about minimum balance penalties, like you do with most banks.
Combine all these features with the personal, local touch of Wailuku Federal Credit Union, and you've got a checking account that can't be beat. Open your Wailuku Federal Credit Union checking account today!