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Debit Cards

Your HawaiiUSA personal checking account includes a no-fee Debit MasterCard®. Depending on which checking account you choose, your card provides either a rewards program or ATM fee reimbursement within a dividend-bearing account.

Debit Cards

HawaiiUSA's Debit Cards Help You Do More

Convenient and secure, our Debit MasterCard® options allow you to access your funds quickly while providing enhanced levels of security and various additional benefits.

  • Available exclusively to eLife Checking account users
  • Account earns premium rate and offers ATM fee reimbursement 
  • Read our card disclosures
  • Use worldwide wherever MasterCard® is accepted
  • Includes special offers and discounts at participating merchants
  • Surcharge-free ATM access at HawaiiUSA and 400+ Bank of Hawaii ATMs statewide 
  • ATM withdrawal limit of $500 per day, per account
  • $5,000 daily spending limit per day, per account2
  • Includes Fraud Monitoring Services on purchases and ATM transactions
  • MasterCard® Zero Liability Protection3
  • MasterCard® Global Service
  • Extended Warranty
  • Price Protection
  • Satisfaction Guarantee
  • Read more in the MasterCard® Guide to Benefits, Commercial Guide to Benefits

With every purchase you make using your HawaiiUSA Debit MasterCard®, your reward opportunities build up immediately and constantly. You'll be thrilled at the possibilities of our debit rewards program1.

  • No enrollment fee, usage fee or annual fee
  • Earn points by purchasing from hundreds of participating online and local retailers
  • Redeem points for brand merchandise, travel, event tickets, gift cards and more
  • Offers enhanced online security at no additional cost
  • Use a private code when you shop online and protect your purchases 
  • Register your private code

Help keep your account secure by signing up for Debit Alerts. You can set custom alerts for transaction types and dollar amounts for:

  • Purchases over a selected amount
  • International Purchases
  • Online Purchases
  • Declined Purchases

Get started today:

Apple Pay, Android Pay, and Samsung Pay are available now! Learn more here


1 Debit Rewards is not available on eLife Checking accounts. Certain restrictions may apply.
2 Applies to Standard, eLife, and Business Tier 1. Limits for tiers 2, 3, and 4 are $2,000, $1,000, and $500, respectively.
3 Conditions and exceptions apply.

MasterCard is a Registered Trademark of MasterCard International Incorporated