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Our Aloha Rewards Checking suite offers three checking accounts. You can earn reward points, or cash back, or receive a higher yield on your monthly balance. Choose the one that works best for you, and enjoy more benefits.

Plus, any of these accounts can be tied to an Aloha Rewards Money Market Savings account that can earn a higher APY* for certain balances.

Aloha Points

Your Rewards

1 reward point for every $2 signature-based debit card purchase
No monthly requirements. Redeem points for gift cards, travel and more. Points don’t expire.

Free Checking

YES

If you use any non-APFCU ATM, and we’ll refund your withdrawal fees

YES

ATM Surcharge Rebates, up to $20 monthly ††

YES

Free Online and Mobile Banking with Free Bill Pay**

YES

Free Checks
(one standard box each year)

YES

Free VISA® debit card

YES

No Minimum Balance

YES

Minimum Opening Deposit

$10
or 

Aloha Cash Back

Your Rewards

3% cash back on your debit card purchases
Up to $9 cash back each month, $108 annually, if monthly requirements are met.

Free Checking

YES

If you use any non-APFCU ATM, and we’ll refund your withdrawal fees †

YES

ATM Surcharge Rebates, up to $20 monthly ††

YES

Free Online and Mobile Banking with Free Bill Pay**

YES

Free Checks
(one standard box each year)

YES

Free VISA® debit card

YES

No Minimum Balance

YES

Minimum Opening Deposit

$100
or

Aloha Advantage Rate

Your Rewards

5.00% APY on balances up to $10,000, effective 7/1/23
0.03% APY if monthly requirements aren’t met. See current rates. APY = Annual Percentage Yield

Free Checking

YES

If you use any non-APFCU ATM, and we’ll refund your withdrawal fees †

YES

ATM Surcharge Rebates, up to $20 monthly ††

YES

Free Online and Mobile Banking with Free Bill Pay**

YES

Free Checks
(one standard box each year)

YES

Free VISA® debit card

YES

No Minimum Balance

YES

Minimum Opening Deposit

$100
or