HRS §412:10-310
When credit unions can charge fees and take over dormant accounts
If you don't use your credit union account for a year, the credit union can charge a reasonable fee. If you don't show any interest in your account for five years, the credit union may treat it as abandoned. You can show interest by adding or taking out money, writing to them, or otherwise indicating you care about the funds.
everyone
The statute, as written — Dormant accounts
(a) If there has been no activity on a share or deposit account for one year, the credit union may impose a reasonable maintenance fee. (b) Share and deposit accounts, dividends, interest and other sums due or standing in the name of a member or other person and held by the credit union are presumed abandoned unless the member or other person has, within five years: (1) Increased or decreased the amount of the funds or presented an appropriate record for the crediting of dividends or interest; (2) Corresponded in writing with the credit union concerning the funds; or (3) Otherwise indicated an interest in the funds as evidenced by a memorandum on file with the credit union.
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