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Online Banking


Honolulu FCU - Online Banking & Instant Phone Service

Automated Transactions Over the Phone

Honolulu Federal Credit Union's Instant Phone Service (IPS) allows you to handle many transactions from the privacy of your home at any time of the day or night. No more waiting in lines or writing checks from your Share Draft account to pay your loans with us. Plus, you save on postage. With IPS at your fingers, you can:

  • Obtain balances on your Regular Share, Share Draft, Christmas, Shares Plus and Loan accounts.
  • Inquire on your last deposit or which drafts have been paid on your Share Draft account.
  • Transfer funds between sub-accounts within the same account.
  • Make a withdrawal by a check payable to or from your savings account.

All of these services are available 24 hours a day, 7 days a week.

EFT Disclosure

To set up IPS or to sign up for Online Banking (including BillPayer), complete and submit the authorization form below.


Authorization Form

Please sign me up for:
Instant Phone Service
Online Banking

Primary Member's Name:
Account Number:
Daytime Phone Number:
E-mail Address:


All fields are required. You may when done, or if you want to start over.

NOTE: Even if you are already a registered IPS user, you still need to fill out this authorization form to add Online Banking.

How to Use Instant Phone Service:

  1. Dial 536-9150 (outside Oahu call (800) 508-9499).
  2. Enter your account number followed by the # sign.
  3. Enter your 4 digit Authorization code and press the # sign. Only you should know this code; do not give this code to anyone, not even your Credit Union personnel.
  4. Below are the transaction codes for initiating Instant Phone Service:
  5. Balance Inquiries

    74# Regular Share, Shares Plus, etc. Balance Inquiry
    34# Share Draft Inquiry
    24# Certificate Inquiry
    576# Loan Payoff Balance
    54# Consumer, Draft LOC, and Home Equity Loan Balance Inquiry

    If you are asked for a Share or Loan suffix number, enter the proper code from the Share and Loan code table listed below:

    0# Regular Share
    8# Share Draft
    4# Shares Plus
    1# Christmas Savings, Inquiry Only
    1-10# Auto, Share Secured, Signature, and Non-LOC
    22# or 23# Signature and 20# or 21# Share Secured Share Draft Overdraft Protection
    30#, 40#, 50#, 60#, or 70# Home Equity
    80# Unsecured LOC

    Note: Other suffixes may exist. Please refer to your last statement for your complete share and loan suffix numbers.

    Inquiry Transactions

    539# Last 5 Share Draft Withdrawals
    534# Last Share Draft Inquiry
    364# Share Draft Clearance (5 per inquiry)
    284# Last 5 ATM Transactions
    523# ACH Deposit Date and Amount
    572# Payroll Deposit Date and Amount
    533# Last 5 Share Draft Deposits
    334# Last Deposit to Checking
    579# Last 5 Share Withdrawals
    573# Last 5 Share Deposits
    532# Last Dividend Amount

    Current Share and Loan Rates

    77# Rates on Shares
    27# Rates on Certificates
    57# Rates on Loans

    Financial Transactions

    787# Share to Share Transfer (within the same account only)
    785# Share to Loan Transfer (within the same account only)
    79# Share Withdrawal (check mailed to your address payable to you)

    Year to Date Information

    933# Year to Date Dividends
    793# Prior Year to Date Dividends
    934# Year to Date Loan Interest
    794# Prior Year to Date Interest

    Other

    527# Loan Application Status
    252# Calculate Loan (monthly payments)
    746# Change Access Code
    99# Transaction Help Menu
    734# Regular Draft Inquiry (# of transfers, limit 6)

    Maximum Share to Draft Transfers: The maximum number of transfers from Regular Shares or Shares Plus to Share Draft account through the telephone or Instant Phone Service is 6 (six) per month.

  6. If you have more than one loan suffix number (i.e. loan #2 and #3), you must enter the loan suffix number. Example: To access the balance of your loan 2, enter 54#. You will be asked for the suffix, enter 2#. Please refer to your last quarterly statement for your complete share and loan suffix numbers. Please remember to always press the pound sign (# )at the end of each entry. Enter **# to repeat your last prompt, 9 for "Yes" and 6 for "No." To enter a monetary amount, enter the dollars and cents by using the star as the decimal point. For example: Enter $145.00 as 145*00#. To end your call or exit transactions, press *#.

Notice to Members

IPS Voice Response has changed with some recently added features such as last five (5) share draft withdrawals and deposits. If you have never used Instant Phone Service, you need to sign an IPS Authorization Form, and we will activate your account with the last four digits of your social security number. Then you can dial 536-9150 (outside Oahu call (800) 508-9499) on a touch tone phone. Enter the last four digits of your social security number and press the pound (#) sign. For your protection, enter transaction code 746 to select a new four digit authorization code. Do not give your code to anyone.

EFT Disclosure
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