The rates of unbanked populations in Hawaii are among the lowest but there are still nearly 20 percent of the population that are either unbanked or underbanked, according to a 2017 survey by the Federal Deposit Insurance Corporation.
That means tens of thousands households in Hawaii are without a bank account.
Many times the only alternative is prepaid debit cards, cash checking services, and pay day loans. There is a real cost to being unbanked in Hawaii. Hefty fees add up in the long run.
If you are living without a banking relationship in Hawaii, consider banks that don’t use ChexSystems in Hawaii.
List of Banks in Hawaii that don’t use ChexSystems
Langley Federal Credit Union is headquartered in Newport News, VA. Membership is open to people in ALL States. You must open a share savings account with a minimum of $5 in order to open a checking account. Earn a $30 checking account bonus if you complete 10 debit card transactions within 60 days of opening your account.
Smart Checking Account Details
- $0 minimum opening checking account but you must open a share savings account with a $5 minimum deposit
- No minimum balance and No monthly service charge.
- Free mobile banking.
- Access 55,000+ Allpoint ATMs Nationwide.
- Free online bill pay.
- Get paid up to 3 days early with direct deposit.
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Chime is primarily a spending account to conduct your daily expenses that anyone can open. Get paid up to 2 days early with early direct deposit. Other features include no overdraft fees and no monthly service fees. If you need a check written, Chime will create and mail a paper check for you at no charge. No opening deposit required. If you open a savings account too, you can save money when you make a purchase or pay a bill with your Chime Visa® Debit Card. Chime will round up transactions to the nearest dollar and transfer it to your savings account.
CU Hawaii Federal Credit Union does not use ChexSystems, they use Telecheck to verify new accounts. They offer a free checking account with no minimum balance and no monthly fee and overdraft protection is available.
Hawaii Community Federal Credit Union does not use ChexSystems, they use Unicheck to open new accounts. Hawaii Community offers a variety of checking account products.
Kauai Community Federal Credit Union does not use ChexSystems, they use Telecheck to open new accounts. They offer a variety of checking account products.
Any eligible members can open a savings account. For a checking they use Chexsystems and Unicheck to open new accounts.
The Rewards Card Checking offers deposit of payroll or government benefit with a monthly fee of $4.95 and $7.95 per month without direct deposit, you’ll receive a checkbook and Mastercard® debit card with no overdraft fees or ATM fees! Free nationwide ATM access at over 55,000 Allpoint®.