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Online Banking and Bill Payment Services Agreement and Disclosure Statement

Online Banking and Bill Payment Services Agreement and Disclosure Statement


Before enrolling in Hickam Federal Credit Union’s Online Banking and Bill Payment services, please review the policies and regulations that will apply to your accounts and transactions.

The Online Banking Service allows you to access your Hickam Federal Credit Union (Hickam FCU) deposit and loan accounts and eStatements over the Internet.  Additionally, if you have chosen the Bill Payment Service, you may pay bills from your Checking account via the Internet to payees you have identified.

In this Agreement the words "you" and "yours" refer to the signer or signers on the account. The words "we", "us", "our" and "Credit Union" mean Hickam Federal Credit Union. The word "Account" means any one or more savings or other accounts you have with the Credit Union,

1.      Acceptance and Agreement

This Agreement and Disclosure Statement (the "Agreement") applies to your use of the Online Banking Service and the Bill Payment Service, including electronic funds transfers made using either of these services.  Your enrollment in Online Banking Service signifies your receipt of the disclosures and your agreement to be bound by the terms contained in this Agreement.

This Agreement supplements, but does not replace, the Electronic Funds Transfer Agreement and Disclosure and other information applicable to your Hickam FCU deposit accounts, including your signature card, all accompanying fee and other schedules and any related disclosures or notices of changes of terms or conditions and the terms and conditions of any credit agreements applicable to your Hickam FCU loan accounts, including all accompanying fee and other schedules and any related disclosures or notices of changes of terms or conditions.

2.      Technical Requirements

To use the Online Banking Service, you must have a personal computer (PC) to access the Internet through an Internet Service Provider (ISP).  You'll need an Internet service provider, a modem (28,800 baud or higher is recommended), and Browser software which supports Secure Sockets Layer (i.e. Netscape 4.x or newer, Microsoft Internet Explorer 4.x or newer. The latest browser version is recommended). You are solely responsible for obtaining, maintaining, upgrading and operating your ISP and any associated software. We are not responsible for any loss, damage or claim caused by your ISP, any related software, or your computer communication equipment.

All disclosures which are provided electronically to you will be in an html format capable of being retained either by printing or storing electronically and you are responsible to print or store electronically all such disclosures. By being able to access this disclosure, also in html format, you are acknowledging that you have the ability to access and read all electronic documents and disclosures available to you.

If a change in hardware or software requirements needed to access or retain electronic records creates a material risk that you will not be able to access or retain a subsequent electronic record, you have the right to withdraw consent without the imposition of any fees for such withdrawal and without the imposition of any condition or consequence that was not previously disclosed.

3.      Online Banking Service

Subject to the terms and conditions of this Agreement you may access Online Banking Service to:

  • View account and loan balances for each of your selected Accounts.

  • View available account and loan histories for each of your selected Accounts, excluding Adjustable Rate Mortgage loans.

  • Download account and loan histories to your PC’s hard drive for use with financial software.

  • Transfer funds between your Accounts and loans in your selected Accounts, excluding Adjustable Rates Mortgage loans.

  • View copies of cleared checks.

  • View regular monthly and/or quarterly eStatements ~ when this Delivery Option is selected.

4.      Bill Payment Service

The Credit Union has contracted with a third-party to provide bill payment service to its members. The bill payment service provider will be processing bill payments and answering questions directly related to these member-initiated bill payments. The Credit Union, at its sole discretion, reserves the right from time to time, to change Bill Payment Service Providers.

If you elect the Bill Payment Service, you may use a computer and the Internet to do the following, subject to the terms and conditions of this Agreement:

  • Schedule and make bill payments (one-time or recurring) from your designated Checking Account to third-party vendors;

  • Add to or edit your vendor list for recurring payments;

  • Verify that information submitted regarding payments is correct;

  • View a history of payments made over a specified time period of up to ninety (90) days.

After you add a vendor for bill payment, your vendor list will show whether the vendor will be paid by an electronic transfer or by paper check, mailed to the payee.  You authorize us to choose the way to process your payment or transfer request.  All payments made through the Bill Payment service will be deducted from your Checking account.  Any payment paid through the Bill Payment Service must be payable in U.S. dollars to vendors in the United States.  Each payee must appear on the payee list created by you and the account you are paying from must be in your name.  You must provide sufficient information about each payee on your payee list in order for us to direct a payment to that payee.  The information must also be sufficient to permit the payee to credit the correct account with your payment.  You may not use the Bill Payment Service to make payments to a federal, state or local government or tax unit, for alimony, child support or other court-directed payment, to a securities broker, or to other categories of payees that we may establish from time to time.

You must allow sufficient time for the payee to receive and process the payment before the payment due date (the due date shown on your invoice or provided in your agreement with the payee, not taking into account any grace period provided by the payee).  If you do not allow sufficient time, you assume full responsibility for all late fees, finance charges, or other actions taken by the payee.  We will not be liable for late charges, service fees, or any other charge if you do not schedule payments as required above.
Payments may take up to ten (10) days to reach the vendor (payee), as they are paid either electronically or by physical check, mailed to the payee.

IMPORTANT:  No activity after (6) months may cause cancellation of your Bill Payment Service.

5. Access

In order to access Online Banking and Bill Payment services, you will need to access your account(s) using your Sign-On ID and password. You may change your password within Online Banking by using the "option" button.  We recommend that you change your password regularly.  For security purposes, it is recommended that you memorize your password and do not write it down. You are responsible for keeping your password, account numbers, and other account data confidential. This is extremely important to prevent unauthorized access to or use of your Account. You agree that you will be responsible for all transfers and payments made from your Account by anyone you authorize to use your Account, whether such use is pursuant to or beyond your instructions.

6.  Account Transfer

You may transfer funds to and from your Accounts, as long as you have sufficient funds available to complete the transfer and nothing in the terms and conditions of the Account Agreement prohibit the transfer.  Transfers from your Account are subject to all the transfer restrictions, if any, included in your Account Agreement. In addition, you may not transfer from your Account any funds, which are secured as collateral for loans you have with us or a third party. By signing this Agreement, you authorize the Credit Union to charge your Account for the amount of any bill payer payment that you make or that you authorize, as well as any charges for providing this service. You also authorize us to initiate any reversing entry or file and to debit or credit any Account in order to correct any mistaken debit or credit entry.

7. Additional Information about the Services

We may update or delay any or all services referenced in this Agreement to ensure security.  We will deny access to the Online Banking service if an incorrect password is entered three (3) times. If access is denied, contact the Call Center at (808) 423-1391 or 1-800-432-4328 (Neighbor Islands/Continental U.S.) between 8:00 a.m. and 6:00 p.m. (Hawaii Standard Time) Monday through Friday, or between 9:00 a.m. and 3:00 p.m. on Saturday, except holidays.  Additional information and instructions on use of the Online Banking Service and Bill Payment Service may be found in this Agreement.

8. Bill Payment Service Preauthorized Payments

Preauthorized Payments: You may use the Bill Payment Service to schedule recurring payments to third-party vendors.

Stop Payment: Payments that are pending or not issued may be deleted or modified while using Bill Payment Service.  If, however, the payment is already reflected in the Bill Payment Service history and you wish to request a stop payment or change a Bill Payment Service transaction, you must contact the Bill Payment Service provider’s customer service department in time for the Bill Payment Service provider to receive your request three (3) business days or more before the payment is scheduled to be made.  If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call.

9. Limitation on Transactions

Unless specified in the Agreement, there is no limit to the number of times you may use Online Banking Service, and you may transfer or authorize payments up to the available balance in your Account at that time. However, we may:

  • Set limits on the total dollar amount of any one transaction;

  • Check and authorize each transaction before it becomes final; and

  • Limit the number of transactions in certain accounts as required by law.  For Savings and Money Market accounts, you may make up to six (6) preauthorized, automatic, telephonic, or audio response transfers (including overdraft protection transfers) per account to another account of yours or to a third-party during any calendar month. A preauthorized transfer includes any arrangement with us to pay a third-party from your account upon oral or written orders including orders received through the automated clearinghouse.  You may make unlimited transfers to any Credit Union loan account and may make withdrawals in person, by mail, or at an ATM.  However, we may refuse or reverse a transfer that exceeds these limitations and may assess fees against, suspend, or close your account.

10. Consumer Use

The Online Banking Service and the Bill Payment Service are designed and intended for personal, family, or household purposes. The services are not designed for business or commercial use. You may not use the services for any commercial purpose. You will take full responsibility if your accounts are being used as business or commercial accounts and will reimburse us for any loss, costs, or expenses we incur as a result of your use of the services for business or commercial purposes.

11. Fees and Charges

Applicable fees and charges can be found in our Schedule of Fees. These fees are subject to change, and we will notify you of any changes as required by applicable law.

The following fees apply to the Bill Payment Service.

  • Stop Payments

  • Non-Sufficient Funds (NSF)

12. Documentation

You will get a monthly account statement unless there are no transfers in a particular month.  You may also generate a printed history of activity while using Online Banking Service.  In any case, you will get a statement of activity at least quarterly.

You are entitled to receive and retain a copy of this agreement and disclosure statement.  Unless you inform us otherwise, you consent to electronic receipt of this agreement and disclosure statement, all Account statements, and other notices provided from time to time on our Online Banking Service web site by using our Online Banking Service or Bill Payment Service.  You may request a free paper copy by calling Support Services at (808) 423-1391 or 1-800-432-4328 (Neighbor Islands/Continent U.S.) between 8:00 a.m. and 6:00 p.m. (Hawaii Standard Time) Monday through Friday or between 9:00 a.m. and 3:00 p.m. on Saturday, except holidays. You may revoke your consent in writing by contacting us by

E-mail:                    Use the mail option in your Hickam FCU Online Banking


            or U.S. mail at:        Hickam Federal Credit Union

                                            P.O. Box 30025

                                            Honolulu, HI  96820-0025

13. Member Liability

You are responsible for all Electronic Funds Transfer (EFT) transactions you authorize. If you permit someone else to use an EFT service, or your access device (card, code, or other means), you are responsible for any transactions they authorize or conduct on any of your accounts.

TELL US AT ONCE if you believe your access device has been lost or stolen, if you believe someone has used your access device or otherwise accessed your accounts without your authority, or if you believe that an EFT transaction has been made without your permission using information contained on your personal checks. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your card or card number without your permission, and it was a VISA transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card. For all other EFT transactions, including ATM transactions or if you were grossly negligent in the handling of your account or card, your liability for an unauthorized transaction is determined as follows:

If you tell us within two (2) business days, you can lose no more then $50 if someone used your card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make including those made by card, code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:


(808) 423-1391

(800) 432 HFCU (4328)

(800) 472-3272 (Lost/Stolen Debit Cards Only)

or write to :


Hickam Federal Credit Union

P.O. Box 30025

Honolulu, HI  96820-0025

You should also call the number or write to the address listed above if you believe a transfer has been made using the information contained on your personal checks without your permission.

14. Confidentiality and Account Information Disclosures

We will disclose information to third parties about your account or the transfers you make:

  • As necessary to complete transfers;

  • To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant;

  • If your account is eligible for emergency cash and/or emergency card replacement services, and you request such services, you agree that we may provide personal information about you and your account that is necessary to provide you with the requested service(s);

  • To comply with a government agency or court orders; or

  • If you give us your written permission.

15. Hickam Federal Credit Union Liability

Access to the Bill Payment services may be temporarily unavailable from time to time due to system updating, maintenance or technical difficulties.  You agree that the Credit Union will not be liable for delay in payments in such cases.  If we do not complete an electronic fund transfer to or from your Account in time or in the correct amount according to our agreement with you, we may be liable for your losses or damages.  However, we will not be liable for direct or consequential damages in the following events:

  • If, through no fault of ours, you do not have enough money available in your Account to make the electronic fund transfer, if any funds in your Account necessary to complete the transfer are held as uncollected funds pursuant to our Funds Availability Policy, or if the funds in your Account are pledged as collateral or frozen because of a delinquent loan;

  • If, the electronic funds transfer would go over your overdraft protection credit limit;

  • If, through no fault of ours, we have not actually received enough money to cover an electronic deposit from a third party;

  • If the funds in your Account are subject to legal process or other encumbrances restricting the electronic fund transfer;

  • If your computer, modem, software, or Internet access is not working properly or you do not have the required software for Internet access;

  • If our processing system was not working properly and you knew about the problem when you started the electronic funds transfer;

  • If circumstances beyond our control (such as fire or flood) prevent the electronic fund transfer, despite reasonable precautions that we have taken;

  • If you have not provided us with correct and complete information about the payee;

  • It the payee is not a valid business payee;

  • If you did not timely provide us with correct instructions as to when to make a payment;

  • If the payees, on its own, mishandles or delays processing the payment sent by us;

  • If this Agreement is terminated;

  • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by us. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investing such errors.

  • If the authorization for your electronic fund transfer is revoked by law or court order (in case of death or incompetence, for example); or

  • If other exceptions are provided in other agreements we have with you or by applicable law. We will not be required to complete any transaction described above.  In the event that such a transaction is completed, you agree to pay us that amount that exceeds your Account balance or your line credit or that is otherwise improperly withdrawn immediately upon request.

16. In Case of Error or Questions about Your Electronic Funds Transfer

In case of error or questions about your electronic fund transfers, or if you think your statement or receipt is wrong, or if you need more information about an electronic fund transfer listed on the statement or receipt, contact us at the appropriate telephone number, e-mail address, or address listed below as soon as you can. We must hear from you no later than sixty (60) days after we send you the FIRST statement on which the problem or error appeared. Provide us with the following information:

Your name and Account number.

A description of the error or EFT transaction in question and a clear explanation of why you believe it is an error or why you need more information.

The dollar amount of the suspected error.

If you inform us verbally, we will require that you send us your concern or question in writing within ten (10) business days.

We will inform you of the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly.  Where applicable, we will credit interest and refund any fees or charges imposed on your Account.  If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question.  If we decide to do this, we will provisionally credit your Account within ten (10) business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation.  If we do not receive your complaint or question in writing within ten (10) business days after you inform us verbally, we will not credit your Account.

For errors involving transfers within thirty (30) days after the first deposit to the account was made, or initiated outside the United States, the periods referred to above are twenty (20) business days instead of ten (10) business days and ninety (90) days instead of forty-five (45) days.  If there was no error, we will send you a written explanation of our findings within three (3) business days after we complete our investigation.  You may ask us for copies of the documents that we used in our investigation.  If we provisionally credited your Account, we will also notify you that we reversed the credited amount.  We will honor any checks, drafts or other similar paper instruments and any preauthorized electronic fund transfers up to the amount we reversed plus the available balance in your Account and the available balance in your overdraft account (if applicable) without imposing any overdraft charges from your Account for a period of five (5) business days after our notice of reversal is sent to you.

For errors or questions, call Support Services at (808) 423-1391 or 1-800-432-4328 (Neighbor Islands/Continent U.S.) between 8:00 a.m. and 6:00 p.m. (Hawaii Standard Time) Monday through Friday or between 9:00 a.m. and 3:00 p.m. on Saturday, except holidays.

E-mail:                         Use the mail option in your Hickam FCU Online Banking


            or U.S. mail at:            Hickam Federal Credit Union

                                                P.O. Box 30025

                                                Honolulu, HI  96820-0025

17. Termination of EFT Services

You can terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and no longer using your card or any access code. You must return all cards and agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you verbally or in writing.  Whether you terminate this Agreement or we do, the termination will not affect your obligations under the Agreement for any electronic transactions made prior to termination, even if we allow any transaction to be completed after this Agreement has been terminated.  Inactivity would also be cause for this Agreement to be terminated.

18. Notices

All notices from us will be effective when we have electronically provided, mailed or delivered them to the last address that we have for you in our records.  Notices from you will generally be effective once we receive them at the appropriate address specified in the Agreement.  If there is more than one Accountholder, notice to or from one of the Accountholders will be effective for every Accountholder.  We reserve the right to change the terms and conditions upon which the service is offered. We will notify you at least twenty-one (21) days before the effective date of a change that may have a negative impact on you. Use of this service is subject to existing regulations governing the credit union account and any future changes to those regulations.

19. Business Days

Our business days are Monday through Saturday. Holidays on which the Credit Union is closed for business and Sundays are not included.

20. Records

All records (no matter the format) used and retained by the Credit Union for the transactions contemplated by this Agreement shall be and remain the property of the Credit Union.  The Credit Union may, in its sole discretion, make available certain stored information upon the member’s request, provided that, any expenses incurred by the Credit Union in doing so shall be paid by the member.

21. Our Rules and Regulations

Your Accounts may also be governed by other agreements between you and us.

22. Enforcement

You are liable to us for any losses, costs or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such losses, costs or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions.


23. Governing Law

This Agreement is governed by our bylaws, federal laws and regulations, the laws of the State of Hawaii, and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which we are located.

24. Waivers

No delay or omission by us in exercising any right or remedies under this Agreement and Disclosure Statement shall impair or be construed as a waiver of such right or remedy.  All waivers must be in writing and signed by us.

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This credit union is federally insured by the National Credit Union Administration.  Equal Opportunity Lender.