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Checking Accounts

Share Draft Account

We know how important your checking account is. That’s why we've designed our Share Draft Account to be a fast, simple and convenient way to access your money.

  • Our Big Island FCU Visa® Debit Card gives you 24-hour access to your Share and Share Draft Accounts. It gives you the convenience of a checkbook and an ATM card all in one.
  • Earn UChoose Rewards® when make purchases using your Big Island FCU VISA® Debit Card. You can also earn more points by shopping at participating national, regional, local and online merchants. Points can then be redeemed for just about anything, it's that easy!
  • Have peace of mind with Overdraft Protection. Overdraft Protection by Shares can be added for convenience. Overdraft Protection can also be provided by a revolving line of credit*.
  • A $300.00 average daily balance is required to avoid a monthly maintenance fee of $3.00. However, get a Big Island FCU VISA® Debit Card and the $3.00 monthly fee is waived.
  • Online Banking and Mobile Banking, including FREE Bill Pay!
  • Sign up for Visa Purchase Alerts and stay up-to-date on all of your transactions
  • Direct deposit and payroll deduction available
  • Unlimited check writing

*Members must qualify under BIFCU’s membership & lending guidelines.