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Frequently Asked Questions

Resources for Businesses

Health Check App

What is Health Check?

Health Check is an app made by Bank of Hawaii designed to help screen employees during the COVID-19 pandemic. Based on the U.S. Chamber of Commerce’s Employee Screening Questionnaire, it allows individuals who may be exhibiting symptoms, or who may have been exposed or potentially exposed to COVID-19, to perform a self-assessment before they enter the workplace.

Why is Bank of Hawaii making the app available to other businesses?

COVID-19 has created hardships for many businesses, and a safe, healthy work environment is key to protecting our employees, community, and to keep customers coming in. Bank of Hawaii has been using the self-assessment internally, and realized not only how valuable a streamlined process has become to keep our branches and facilities running smoothly, but how much it can help protect the community. We wanted to share the app to help our local businesses stay healthy and strong as we all do our part to stop the spread of COVID-19.

Where can I find Health Check? / How do I get Health Check?

Health Check is available for free in the App Store and Google Play Store, and you can find it by searching Health Check by Bank of Hawaii. You can also access the app through our website, at boh.com/health-check-app. 

How much does Health Check cost? / Do I have to pay for my employees to use Health Check?

Health Check by Bank of Hawaii is completely free to download and use. There are no limits on how many employees may use it, or how often it’s used.

Do I need to be a Bank of Hawaii customer to use Health Check in my business?

No, you do not need to be a Bank of Hawaii customer to use Health Check.

Does Health Check store any data?

No—the app does not store any data. Because your privacy is very important to us, we will not ask for any personally identifiable information in this app. Nor does the app use location tracking or collect any information.

How does Bank of Hawaii use Health Check?

At Bank of Hawaii, we have a multi-step process. First, we ask our employees to complete the self-assessment in the app before coming to work. When they arrive, we ask them to present the results to our dedicated attendant and take their temperature, prior to them entering the workplace. This helps us ensure a safe workplace for employees and a safe experience for our customers.

Is my phone supported for the Health Check app?

The app works with most smartphones and tablets and is compatible with devices running iOS 8 or later and Android 5.0 or later, though we recommend using the most up to date version of the operating system for your device.

How long does Health Check take?

Completing the self-assessment in Health Check takes just a few seconds. It’s three, simple “Yes or No” questions that can be answered with just a tap of the screen, and the results are immediate.

What kind of questions do I need to answer for a Health Check?

The Health Check is just three, simple “Yes or No” questions. The app asks if you’ve been in contact with someone with common symptoms of COVID-19, if you have been in contact with someone with a confirmed or potential case of COVID-19, and if you have traveled within the last 14 days.

Does the Health Check app detect COVID-19?

While the app does not detect COVID-19, it serves as an added layer of protection by identifying individuals who may be exhibiting symptoms, or who may have been exposed or potentially exposed to COVID-19.

What happens if an employee receives a red/not cleared screen on the Health Check app?

We recommend having a plan in place to ensure employees that are not safe to work are able to go home immediately, as to not put other employees or your customers at risk, such as working from home where appropriate or having employees “on-call” in the event onsite work is required.

Does Health Check give medical advice?

The Health Check app is not intended to give medical advice. If you need medical advice, please contact your healthcare provider or visit the CDC website at https://www.cdc.gov/coronavirus.

What is Health Check?

Health Check is an app made by Bank of Hawaii designed to help screen employees during the COVID-19 pandemic. Based on the U.S. Chamber of Commerce’s Employee Screening Questionnaire, it allows individuals who may be exhibiting symptoms, or who may have been exposed or potentially exposed to COVID-19, to perform a self-assessment before they enter the workplace.

Why is Bank of Hawaii making the app available to other businesses?

COVID-19 has created hardships for many businesses, and a safe, healthy work environment is key to protecting our employees, community, and to keep customers coming in. Bank of Hawaii has been using the self-assessment internally, and realized not only how valuable a streamlined process has become to keep our branches and facilities running smoothly, but how much it can help protect the community. We wanted to share the app to help our local businesses stay healthy and strong as we all do our part to stop the spread of COVID-19.

Where can I find Health Check? / How do I get Health Check?

Health Check is available for free in the App Store and Google Play Store, and you can find it by searching Health Check by Bank of Hawaii. You can also access the app through our website, at boh.com/health-check-app. 

How much does Health Check cost? / Do I have to pay for my employees to use Health Check?

Health Check by Bank of Hawaii is completely free to download and use. There are no limits on how many employees may use it, or how often it’s used.

Do I need to be a Bank of Hawaii customer to use Health Check in my business?

No, you do not need to be a Bank of Hawaii customer to use Health Check.

Does Health Check store any data?

No—the app does not store any data. Because your privacy is very important to us, we will not ask for any personally identifiable information in this app. Nor does the app use location tracking or collect any information.

How does Bank of Hawaii use Health Check?

At Bank of Hawaii, we have a multi-step process. First, we ask our employees to complete the self-assessment in the app before coming to work. When they arrive, we ask them to present the results to our dedicated attendant and take their temperature, prior to them entering the workplace. This helps us ensure a safe workplace for employees and a safe experience for our customers.

Is my phone supported for the Health Check app?

The app works with most smartphones and tablets and is compatible with devices running iOS 8 or later and Android 5.0 or later, though we recommend using the most up to date version of the operating system for your device.

How long does Health Check take?

Completing the self-assessment in Health Check takes just a few seconds. It’s three, simple “Yes or No” questions that can be answered with just a tap of the screen, and the results are immediate.

What kind of questions do I need to answer for a Health Check?

The Health Check is just three, simple “Yes or No” questions. The app asks if you’ve been in contact with someone with common symptoms of COVID-19, if you have been in contact with someone with a confirmed or potential case of COVID-19, and if you have traveled within the last 14 days.

Does the Health Check app detect COVID-19?

While the app does not detect COVID-19, it serves as an added layer of protection by identifying individuals who may be exhibiting symptoms, or who may have been exposed or potentially exposed to COVID-19.

What happens if an employee receives a red/not cleared screen on the Health Check app?

We recommend having a plan in place to ensure employees that are not safe to work are able to go home immediately, as to not put other employees or your customers at risk, such as working from home where appropriate or having employees “on-call” in the event onsite work is required.

Does Health Check give medical advice?

The Health Check app is not intended to give medical advice. If you need medical advice, please contact your healthcare provider or visit the CDC website at https://www.cdc.gov/coronavirus.

PPP – Loan Forgiveness

How much of my loan will be forgiven?

According to current guidance, up to 100% of the loan principal and accrued interest may be forgiven when used for eligible expenses subject to certain limitations and requirements.

What are eligible expenses for loan forgiveness?

The following expenses may be eligible for loan forgiveness:

  • Payroll costs (using the same definition of payroll costs used to determine loan eligibility)
  • Interest on existing mortgage obligations incurred in the ordinary course of business
  • Rent under an existing lease agreement
  • Payments on utilities (electricity, gas, water, transportation, telephone, or internet)

To receive full or partial loan forgiveness, in addition to other limitations and requirements, at least 60% of the loan amount must be used for payroll costs.

What is the loan forgiveness covered period?

The covered period begins on the date of loan disbursement and ends eight weeks later. There may be flexibility to calculate payroll costs using an alternative payroll covered period that aligns with your regular payroll cycles. Additionally, the Paycheck Protection Program Flexibility Act of 2020 allows borrowers to extend the eight-week period to 24 weeks from date of loan disbursement, or December 31, 2020, whichever is earlier.

How do I request loan forgiveness?

We will email you once you are able to apply for forgiveness. Applications for loan forgiveness applications will only be accepted online via boh.com. Please do not fill out the SBA loan forgiveness form and submit to Bank of Hawaii until we begin accepting forgiveness applications online. Please note, loan forgiveness will not be automatic; you will need to request forgiveness and provide substantiating documents to Bank of Hawaii to certify and document that you used the loan funds for SBA-eligible purposes. Documents will need to include verification of the number of full-time equivalent employees and pay rates, as well as the payments on eligible mortgage, lease, and utility obligations, and anything else the SBA may require. 

How long is the approval process?

The SBA has not yet confirmed the process or timeframes between the SBA and the lender regarding loan forgiveness. We are awaiting guidance from the SBA.

What if my loan is not completely forgiven?

You will be responsible for the repayment of the loan amount that is not forgiven. Your loan has a fixed interest rate of 1.00% and a term of 2 years, or a term of 5 years if your loan was approved by the SBA (based on the date the SBA assigns a loan number) on or after June 5, 2020.

You will not be required to make any loan payments during the deferral period. Payments are deferred until the date that the SBA remits the borrower’s loan forgiveness amount to lender. For those who do not apply for forgiveness, the deferral period will be for 10 months after the forgiveness covered period.

I still have more questions. Where can I find more information?

For the most recent FAQs from the SBA, visit https://www.sba.gov/document/support--faq-lenders-borrowers.

How much of my loan will be forgiven?

According to current guidance, up to 100% of the loan principal and accrued interest may be forgiven when used for eligible expenses subject to certain limitations and requirements.

What are eligible expenses for loan forgiveness?

The following expenses may be eligible for loan forgiveness:

  • Payroll costs (using the same definition of payroll costs used to determine loan eligibility)
  • Interest on existing mortgage obligations incurred in the ordinary course of business
  • Rent under an existing lease agreement
  • Payments on utilities (electricity, gas, water, transportation, telephone, or internet)

To receive full or partial loan forgiveness, in addition to other limitations and requirements, at least 60% of the loan amount must be used for payroll costs.

What is the loan forgiveness covered period?

The covered period begins on the date of loan disbursement and ends eight weeks later. There may be flexibility to calculate payroll costs using an alternative payroll covered period that aligns with your regular payroll cycles. Additionally, the Paycheck Protection Program Flexibility Act of 2020 allows borrowers to extend the eight-week period to 24 weeks from date of loan disbursement, or December 31, 2020, whichever is earlier.

How do I request loan forgiveness?

We will email you once you are able to apply for forgiveness. Applications for loan forgiveness applications will only be accepted online via boh.com. Please do not fill out the SBA loan forgiveness form and submit to Bank of Hawaii until we begin accepting forgiveness applications online. Please note, loan forgiveness will not be automatic; you will need to request forgiveness and provide substantiating documents to Bank of Hawaii to certify and document that you used the loan funds for SBA-eligible purposes. Documents will need to include verification of the number of full-time equivalent employees and pay rates, as well as the payments on eligible mortgage, lease, and utility obligations, and anything else the SBA may require. 

How long is the approval process?

The SBA has not yet confirmed the process or timeframes between the SBA and the lender regarding loan forgiveness. We are awaiting guidance from the SBA.

What if my loan is not completely forgiven?

You will be responsible for the repayment of the loan amount that is not forgiven. Your loan has a fixed interest rate of 1.00% and a term of 2 years, or a term of 5 years if your loan was approved by the SBA (based on the date the SBA assigns a loan number) on or after June 5, 2020.

You will not be required to make any loan payments during the deferral period. Payments are deferred until the date that the SBA remits the borrower’s loan forgiveness amount to lender. For those who do not apply for forgiveness, the deferral period will be for 10 months after the forgiveness covered period.

I still have more questions. Where can I find more information?

For the most recent FAQs from the SBA, visit https://www.sba.gov/document/support--faq-lenders-borrowers.

PPP – General Inquiries

For a complete list of a qualifications and requirements as well as frequently asked questions, please visit the Paycheck Protection Program page on the Small Business Administration’s website.

I am not a Bank of Hawaii customer. What options are available to me?

To find other SBA approved lenders near you, please visit the SBA’s site. Additionally, there may be other SBA programs available to your business. Learn more about other SBA programs for Coronavirus relief.

If my business is ineligible for the PPP, what other options do I have?

Please visit the Small Business Administration website (sba.gov) for more details on available programs.

Does the application request I previously submitted to Bank of Hawaii remain active or will I have to start over?

Your application request will remain active and you will not need to start over. We will continue to review application requests and follow up with you via email or phone to gather additional information and/or documents required to get your application ready to the point of submission to the SBA.

How can I speak to someone about my application request?

Given the nature of this federal loan application process, our Call Center representatives will not be able to provide information on the status of your application, or details about the program. If you have questions, you may send an email to ppploan@boh.com. Please include your reference number and business entity name in your communication. Please be aware that updates may take longer than expected due to a high volume of applicants and inquiries.

How will I know whether my application has been approved?

We will continue to communicate with you through the email address and/or phone number you provided when you submitted your application.

I received an email that my loan was approved. Where can I learn about the requirements for forgiveness?

The SBA has defined the guidelines and requirements for the Paycheck Protection Program (PPP). For all requirements and information about loan forgiveness PPP, please visit the SBA website: https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program-ppp.

If my business is ineligible for the PPP, what other options do I have?

Please visit the Small Business Administration website (sba.gov) for more details on available programs.

For a complete list of a qualifications and requirements as well as frequently asked questions, please visit the Paycheck Protection Program page on the Small Business Administration’s website.

I am not a Bank of Hawaii customer. What options are available to me?

To find other SBA approved lenders near you, please visit the SBA’s site. Additionally, there may be other SBA programs available to your business. Learn more about other SBA programs for Coronavirus relief.

If my business is ineligible for the PPP, what other options do I have?

Please visit the Small Business Administration website (sba.gov) for more details on available programs.

Does the application request I previously submitted to Bank of Hawaii remain active or will I have to start over?

Your application request will remain active and you will not need to start over. We will continue to review application requests and follow up with you via email or phone to gather additional information and/or documents required to get your application ready to the point of submission to the SBA.

How can I speak to someone about my application request?

Given the nature of this federal loan application process, our Call Center representatives will not be able to provide information on the status of your application, or details about the program. If you have questions, you may send an email to ppploan@boh.com. Please include your reference number and business entity name in your communication. Please be aware that updates may take longer than expected due to a high volume of applicants and inquiries.

How will I know whether my application has been approved?

We will continue to communicate with you through the email address and/or phone number you provided when you submitted your application.

I received an email that my loan was approved. Where can I learn about the requirements for forgiveness?

The SBA has defined the guidelines and requirements for the Paycheck Protection Program (PPP). For all requirements and information about loan forgiveness PPP, please visit the SBA website: https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program-ppp.

If my business is ineligible for the PPP, what other options do I have?

Please visit the Small Business Administration website (sba.gov) for more details on available programs.

PPP – Previously submitted applications

Does the application request I previously submitted to Bank of Hawaii remain active or will I have to start over?

Your application request will remain active and you will not need to start over. We will continue to review application requests and follow up with you via email or phone to gather additional information and/or documents required to get your application ready to the point of submission to the SBA.

How can I speak to someone about my application request?

Given the nature of this federal loan application process, our Call Center representatives will not be able to provide information on the status of your application, or details about the program. If you have questions, you may send an email to ppploan@boh.com. Please include your reference number and business entity name in your communication. Please be aware that updates may take longer than expected due to a high volume of applicants and inquiries.

How will I know whether my application has been approved?

We will continue to communicate with you through the email address and/or phone number you provided when you submitted your application.

I received an email that my loan was approved. Where can I learn about the requirements for forgiveness?

The SBA has defined the guidelines and requirements for the Paycheck Protection Program (PPP). For all requirements and information about loan forgiveness PPP, please visit the SBA website: https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program-ppp.

If my business is ineligible for the PPP, what other options do I have?

Please visit the Small Business Administration website (sba.gov) for more details on available programs.

This information is accurate and updated as of May 7, 2020.

Does the application request I previously submitted to Bank of Hawaii remain active or will I have to start over?

Your application request will remain active and you will not need to start over. We will continue to review application requests and follow up with you via email or phone to gather additional information and/or documents required to get your application ready to the point of submission to the SBA.

How can I speak to someone about my application request?

Given the nature of this federal loan application process, our Call Center representatives will not be able to provide information on the status of your application, or details about the program. If you have questions, you may send an email to ppploan@boh.com. Please include your reference number and business entity name in your communication. Please be aware that updates may take longer than expected due to a high volume of applicants and inquiries.

How will I know whether my application has been approved?

We will continue to communicate with you through the email address and/or phone number you provided when you submitted your application.

I received an email that my loan was approved. Where can I learn about the requirements for forgiveness?

The SBA has defined the guidelines and requirements for the Paycheck Protection Program (PPP). For all requirements and information about loan forgiveness PPP, please visit the SBA website: https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program-ppp.

If my business is ineligible for the PPP, what other options do I have?

Please visit the Small Business Administration website (sba.gov) for more details on available programs.

This information is accurate and updated as of May 7, 2020.

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