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Branch Banking and Commercial Bank Clients

Jason and Juliana Sung

At Bank of Hawaii, our commitment to our customers is a shared trust — one that springs from the confidence placed in us, and our determination to honor that trust in every aspect of our service. A passion for helping customers is what motivates our teams. Because our clients say it better than anyone, a few of them share how our services have improved their lives and/or businesses through the following profiles and videos.

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Jason Sung: We opened our Dillingham location in 2010. It looks brand new because we completed a renovation in November 2018 that added almost 1,000 sq. ft. We opened our Waimalu Plaza restaurant in 2014 with an SBA loan.

Juliana Sung: Our landlord at the City Square Shopping Center first introduced us to Bank of Hawaii. BOH helped us apply for the SBA loan for our Waimalu Plaza location, and they also wrote up our winning nomination for SBA’s Young Entrepreneur of the Year in Honolulu County. By that time, Reid Hinaga was our banker, and he attended the SBA awards luncheon with us along with our parents. My mom remembered Reid from when he was an assistant manager at the Hawaii Kai Safeway Branch years ago.

Jason: We had always been open until 2 p.m., but when we opened in Waimalu, we decided to extend the hours to 9 p.m. It was a hit; everyone loved it. People wanted to come for dinner, and they loved that we were using real plates and real utensils.

We had a vision after the second location was a hit. And because we had two different locations that operated differently, we wanted to make it look like an actual chain. That’s why we chose to renovate this location, expand the kitchen, put in a dishwasher, and extend the hours. Ever since, our business here has grown.

Juli: Everyone appreciates that it’s really clean, bright and modern, and where people can feel comfortable bringing the whole family. We also wanted to expand the kitchen so that we could take advantage of more catering opportunities. In the end, it worked out well for our customers and for our business.

Jason: BOH gave us a commercial loan for the renovation. We do all of our banking with BOH including our personal banking, commercial lending, credit card processing, and our home equity line. It’s easy—I can just text Reid and give him the details. Everything can be done over the phone or via email.  Reid and I are from the same generation; we’re both around the same age; we both have kids, so there’s a lot we can relate to. He’s my friend. He knows our needs, and I feel comfortable talking with him.

Juli: We look for convenience in a banking relationship, and someone we can trust. Because we know BOH does their due diligence, that gives us another level of confidence in our abilities. They have faith in us, and we have faith in them.

Jason: We now have an ongoing relationship with the bank through Reid, who knows the challenges that we face as a local, family-owned business. He can relate to us; we can relate to him.

Juli: We have some employees who have been with us for a long time, and we appreciate them. They are a huge part of the company’s success. Each time we expanded with help from BOH, we increased our number of employees. It’s about creating jobs in the community as well as serving our customers.

Jason: I don’t want to expand too fast; slow growth is the best growth. But eventually I do want a third location. People say that having two is really hard, but that the third and fourth may come easier because you already have the blueprint of what you are doing. You just need to find the right location and people.

I can’t wait to do more business with BOH! Thanks for having faith and confidence in our business, and with me and Juli. This is just the beginning; we are still young and plan to keep going. We hope they keep going with us and help us grow even more.

2019 Annual Report

Purpose, Progress, Possibilities. Working together with you.

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