Hokuyo Bank cash cards can be conveniently used at ATMs in convenience stores not only in Hokkaido but also nationwide. While using convenience store ATMs typically incurs a fee, there are ways to get these fees waived by meeting specific conditions, such as using the “Hokuyo Bank App.” This article provides a comprehensive guide to the exact fees, operating hours, available services when using a Hokuyo Bank cash card at major convenience store ATMs (Seven-Eleven, Lawson, FamilyMart, Ministop), as well as the latest conditions for fee waivers.
- A Comprehensive Guide to Convenience Store ATMs for Hokuyo Bank Cash Cards
- Hokuyo Bank Usage Details by Convenience Store: Fees, Operating Hours, and Available Services
- How to Get Free Convenience Store ATM Fees with the App and a Passbook-less Account
- General Precautions When Using Hokuyo Bank at Convenience Store ATMs
- Transaction Limits: Daily and Per-Transaction Limits for Withdrawals, Deposits, and Transfers
- Handling of Coins: Not Supported for Withdrawals or Deposits at Convenience Store ATMs
- Use of Passbooks: Not Available for Updates or Transactions at Convenience Store ATMs
- How to Check System Maintenance Times
- PIN Management and ATM Security
- Q&A Regarding Hokuyo Bank Use at Convenience Store ATMs
- Q1. When does the fee waiver from using the app and a passbook-less account apply?
- Q2. Are the fees the same at convenience store ATMs outside of Hokkaido?
- Q3. Are the fees for the Hokuyo-JCB Debit Card the same as a regular cash card?
- Q4. Can corporate cash cards be used at convenience store ATMs? Are the fees different from those for personal accounts?
- Q5. If I make a transfer at a convenience store ATM, when will it be reflected in the recipient’s account?
- Q6. What are the fees and operating hours during the year-end/New Year and Golden Week holidays?
- Q7. Does just using the Hokuyo Bank app make convenience store ATM fees free?
- Q8. What are the possible reasons if my Hokuyo Bank cash card doesn’t work at a convenience store ATM?
A Comprehensive Guide to Convenience Store ATMs for Hokuyo Bank Cash Cards
Hokuyo Bank cash cards can be used at many convenience store ATMs through a nationwide network of partner ATMs. First, let’s summarize an overview of which ATMs are available at which convenience stores.
Partner ATMs Available at Major Convenience Store Chains (7-Eleven, Lawson, FamilyMart, Ministop)
The following ATMs are installed in major convenience store chains across Japan and can be used with a Hokuyo Bank cash card.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- FamilyMart: E-net ATM (*Excludes some stores)
- Ministop: AEON Bank ATM
Hokuyo Bank Cash Card Service Availability at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All the convenience store ATMs listed above are compatible with Hokuyo Bank cash cards. While fees apply depending on the ATM type and time of day, a key feature is that fees can be waived at certain convenience store ATMs by meeting the conditions of “using the Hokuyo Bank App” and having a “passbook-less account.” As a general rule, Hokuyo Bank passbooks cannot be used at these ATMs.
Hokuyo Bank Usage Details by Convenience Store: Fees, Operating Hours, and Available Services
From here, let’s take a closer look at the fees, available hours, and main services when using a Hokuyo Bank cash card at ATMs located in each convenience store.
*All fees are tax-inclusive. The following are the basic fees without applying fee waiver benefits. Information is current as of June 2025. Please check the official websites of Hokuyo Bank or each ATM operator for the latest information.
Using Hokuyo Bank at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Transfer
- Balance Inquiry
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | All day | 220 yen |
| Saturdays, Sundays, Holidays | All day | 220 yen |
Source: Seven Bank ATM | ATM Service | Hokuyo Bank
Transfer Fees: To Hokuyo Bank and to Other Banks
| Recipient | Fee |
|---|---|
| To Hokuyo Bank branches | 220 yen |
| To other banks | 440 yen |
*In addition to the transfer fees above, a separate ATM usage fee (220 yen) is required.
Source: Transfer Fees | Fee List | Hokuyo Bank
ATM Availability and Hokuyo Bank System Maintenance Information
Seven Bank ATMs generally operate 24 hours a day, but they are unavailable during Hokuyo Bank’s system maintenance periods. Please note that all transactions will be suspended during these times.
Using Hokuyo Bank at Lawson (Lawson Bank ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Transfer
- Balance Inquiry
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | All day | 220 yen |
| Saturdays, Sundays, Holidays | All day | 220 yen |
Source: Lawson Bank ATM | ATM Service | Hokuyo Bank
Transfer Fees: To Hokuyo Bank and to Other Banks
| Recipient | Fee |
|---|---|
| To Hokuyo Bank branches | 220 yen |
| To other banks | 440 yen |
*In addition to the transfer fees above, a separate ATM usage fee (220 yen) is required.
Source: Transfer Fees | Fee List | Hokuyo Bank
ATM Availability and Hokuyo Bank System Maintenance Information
Lawson Bank ATMs also operate 24 hours a day in principle, but they are unavailable during Hokuyo Bank’s system maintenance periods.
Using Hokuyo Bank at FamilyMart (E-net ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Transfer
- Balance Inquiry
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | All day | 220 yen |
| Saturdays, Sundays, Holidays | All day | 220 yen |
Source: E-net | ATM Service | Hokuyo Bank
Transfer Fees: To Hokuyo Bank and to Other Banks
| Recipient | Fee |
|---|---|
| To Hokuyo Bank branches | 220 yen |
| To other banks | 440 yen |
*In addition to the transfer fees above, a separate ATM usage fee (220 yen) is required.
Source: Transfer Fees | Fee List | Hokuyo Bank
ATM Availability and Hokuyo Bank System Maintenance Information
E-net ATMs also operate 24 hours a day in principle, but they are unavailable during Hokuyo Bank’s system maintenance periods.
Using Hokuyo Bank at Ministop (AEON Bank ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Transfer
- Balance Inquiry
Withdrawal & Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 110 yen |
| Weekdays | Other times | 220 yen |
| Saturdays, Sundays, Holidays | All day | 220 yen |
Transfer Fees (including ATM usage fee): To Hokuyo Bank and to Other Banks
| Day | Time Slot | Transfer Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 330 yen |
| Weekdays | Other times | 440 yen |
| Saturdays, Sundays, Holidays | All day | 440 yen |
Source: Hokuyo Bank Service Hours & ATM Fees | AEON Bank
ATM Availability and Hokuyo Bank System Maintenance Information
AEON Bank ATMs also operate for long hours, but they are unavailable during Hokuyo Bank’s system maintenance periods.
How to Get Free Convenience Store ATM Fees with the App and a Passbook-less Account
Hokuyo Bank’s convenience store ATM fees can be waived once a month for specific convenience store ATMs by meeting both of the following two conditions. Understanding and utilizing this benefit is the most important point for saving on fees.
The Two Conditions to Get Fees Waived
- Condition 1: The account used at the ATM must be registered as the primary account in the “Hokuyo Bank App.”
- Condition 2: That account must be a “passbook-less” account (one that does not issue a paper passbook).
Benefit Details and Eligible Convenience Store ATMs
- Benefit: The usage fee (after-hours fee) for partner convenience store ATMs is free once a month.
- Eligible Transactions: The ATM usage fee for “withdrawals,” “deposits,” and “transfers” is covered. The transfer fee itself is not waived.
- [Important] Eligible Convenience Store ATMs for the Benefit: This applies to Seven Bank ATM, Lawson Bank ATM, and E-net ATM.
- [Important] Ineligible Convenience Store ATM: AEON Bank ATM is not eligible for the fee waiver. Even if you meet the conditions, the standard fee will be charged when using an AEON Bank ATM.
Source: ATM Usage Fees | Convenient & Advantageous | Hokuyo Bank
General Precautions When Using Hokuyo Bank at Convenience Store ATMs
Transaction Limits: Daily and Per-Transaction Limits for Withdrawals, Deposits, and Transfers
Hokuyo Bank cash cards have a daily transaction limit set at a total of 1,000,000 yen for “withdrawals,” “account transfers,” “bank transfers,” and “debit card usage.” This limit can be changed at a Hokuyo Bank branch or via internet banking. Additionally, convenience store ATMs themselves may have per-transaction limits (e.g., withdrawals up to 200,000 yen, deposits up to 500,000 yen).
Handling of Coins: Not Supported for Withdrawals or Deposits at Convenience Store ATMs
At all convenience store ATMs (Seven Bank ATM, Lawson Bank ATM, E-net ATM, AEON Bank ATM), coin withdrawals and deposits are not possible. Only banknotes are handled.
Use of Passbooks: Not Available for Updates or Transactions at Convenience Store ATMs
At all convenience store ATMs, you cannot use a Hokuyo Bank passbook for updates or transactions. Transactions at convenience store ATMs are only possible with a cash card.
How to Check System Maintenance Times
During Hokuyo Bank’s system maintenance periods, no Hokuyo Bank transactions can be made at any convenience store ATM. Since temporary maintenance may also occur, it is recommended to check the latest information in advance on the official Hokuyo Bank website.
Source: Hokuyo Bank | For Individual Customers
PIN Management and ATM Security
When using an ATM, take security measures such as covering the keypad with your hand when entering your PIN to prevent others from seeing it. Also, manage your PIN strictly so that it is not known to others, and avoid using easily guessable numbers like your date of birth.
Q&A Regarding Hokuyo Bank Use at Convenience Store ATMs
Q1. When does the fee waiver from using the app and a passbook-less account apply?
A1. The benefit applies from the first day of the second month after the month in which you meet both conditions (“registering a primary account in the Hokuyo Bank App” and having a “passbook-less account”). For example, if you meet all conditions in June, the waiver will start on August 1st.
Q2. Are the fees the same at convenience store ATMs outside of Hokkaido?
A2. Yes, for Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs, the fee structure is the same even when used at stores outside of Hokkaido. The fee waiver benefit for using the app and a passbook-less account also applies in the same way (excluding AEON Bank ATMs).
Q3. Are the fees for the Hokuyo-JCB Debit Card the same as a regular cash card?
A3. Yes, when you use a Hokuyo-JCB Debit Card for a “cash withdrawal” at a convenience store ATM, the same fee structure as a regular cash card applies. However, the conditions for the fee waiver are strictly “app usage” and a “passbook-less account”; there is no waiver just for holding a debit card.
Q4. Can corporate cash cards be used at convenience store ATMs? Are the fees different from those for personal accounts?
A4. Corporate cash cards can also be used at partner convenience store ATMs, but the fee structure is different from personal accounts. Also, the fee waiver benefit for app usage and passbook-less accounts does not apply. Please check Hokuyo Bank’s guide for corporate services for details.
Q5. If I make a transfer at a convenience store ATM, when will it be reflected in the recipient’s account?
A5. If the recipient’s financial institution supports 24-hour instant transfers, it will generally be reflected immediately. However, depending on the system status of the recipient’s financial institution, the state of the recipient’s account, or the time the transfer is made, it may be processed on the next business day.
Q6. What are the fees and operating hours during the year-end/New Year and Golden Week holidays?
A6. For public holidays and substitute holidays, the Sunday fee structure applies. During the year-end/New Year and Golden Week periods, the fees basically follow the calendar, but service hours may change due to system maintenance. It is recommended to check the announcements on the official Hokuyo Bank website in advance.
Q7. Does just using the Hokuyo Bank app make convenience store ATM fees free?
A7. No, just using the app will not make the fees free. To receive the fee waiver, in addition to “registering a primary account in the app,” that account must also be a “passbook-less account.” The once-a-month free benefit applies only when both of these conditions are met.
Q8. What are the possible reasons if my Hokuyo Bank cash card doesn’t work at a convenience store ATM?
A8. The main possible reasons are as follows:
・Incorrect PIN, or the card being locked due to multiple incorrect entries
・Magnetic stripe failure or IC chip damage on the cash card
・Exceeding the transaction limit
・Insufficient account balance (including the amount for fees)
・During system maintenance by Hokuyo Bank or the ATM operator
If the issue is not resolved, please contact the Hokuyo Bank call center or a branch.
Source: Contact Us | Hokuyo Bank
Last updated: June 19, 2025