Community Banking

Banking is just the beginning

Our accounts are designed with you and your future in mind.

Better banking starts here.

Whether you’re looking to open a bank account, grow your savings or buying a home - we’ve got options.

Bankohana II Checking Account

Earn $400 by opening a Bankohana II checking account and completing qualified direct deposits.1
Learn more

High Yield Savings Account

Earn our highest savings rates with the flexibility to access your funds when you need them with our Bankohana Savings Special.
Learn more

Home Equity Line of Credit (HELOC)

Unlock the equity in your home to consolidate debt, pay for tuition, renovate and more.
Learn more

Mortgage

Whether you’re buying a home or investing in a new property, we can help.
Learn more

[1] See important information

1 Eligibility

To be eligible for the $400 bonus, you must open a new Bankohana Level II or Bankohana Level III Checking account (“Account”) on or after March 11, 2024 HST and have $3,500 in total Qualifying Direct Deposits within the first 60 days of your Account’s open date. Upgrading an existing checking account to a Bankohana II or III account will not qualify for this $400 bonus. See the Qualifying Direct Deposit section below for the definition of a Qualifying Direct Deposit.

If qualifications are met, a bonus will be applied directly to your Account within 120 days of your Account’s open date. Your Account must remain open as a Bankohana Level II or Bankohana Level III Checking account and be in good standing at the time of the bonus award. If your Account type is changed or if your Account is closed before the bonus is awarded, you will not receive the bonus. Limit one bonus per account per customer. This offer is available from March 11, 2024 HST and subject to change without prior notice.

Qualifying Direct Deposit

Qualifying Direct Deposits are defined as certain incoming ACH credits which can include electronic deposits made from your employer or another payer, such as your salary, pension, or Social Security benefits. The deposit method is determined by the sender of the credit, and Bank of Hawaii (“the Bank”) will rely on this information to determine a Qualifying Direct Deposit. The Bank has sole discretion to determine what a Qualifying Direct Deposit is for purposes of this promotion.

The following types of transactions are examples of what is NOT considered Qualifying Direct Deposits:

  • Peer-to-peer transfers processed as an ACH credit (such as Venmo, PayPal, etc.)
  • Zelle
  • All Initial funding of Bankohana II or III accounts
  • Deposits made at a teller, ATM, or through the Bank of Hawaii mobile app
  • Internal transfers from another Bank of Hawaii account
  • Incoming wires

1099 Issuance

A 1099-INT form will be issued from Bank of Hawaii to the primary accountholder for the $400 bonus applied to your Account. You are responsible for any and all taxes and fees associated with the credit awarded from this promotion.

About Your Bankohana Checking Account

The minimum balance to open an Account is $500. The variable Annual Percentage Yield (APY) is 0.01% for balances less than $50,000 and 0.02% for balances $50,000 or greater. APY is as of 3/21/2024 for State of Hawaii and 3/22/2024 for Saipan, Guam, and Palau and can change at any time. Fees may reduce earnings. For Bankohana Level II Checking accounts, a Combined Balance of $20,000 is required to avoid the $20 Monthly Service Fee. For Bankohana Level III Checking accounts a Combined Balance of $50,000 is required to avoid the $30 Monthly Service Fee. Accounts closed within 180 days will be assessed an early closing fee of $70. For further details on these accounts, please see the Outline of Basic Terms & Conditions, Consumer Checking and Savings Account Fee Schedule, and Bankohana Addendum available at a branch or at boh.com/agreements.

Where are you in your financial journey?

A Commitment to Family

Get to know Chris Otto, a leader in Bankoh Investment Services, Inc., who helps families plan for whatever the future may bring.

Chris Otto walking in the forest

*Conditions and limitations apply. Please refer to the Reward Rules within the Terms and Conditions on this page for additional information about the rewards program.

The Hawaiian Airlines Bank of Hawaii World Elite Mastercard is issued by Barclays Bank Delaware pursuant to a license by Mastercard International Incorporated. Mastercard, World Mastercard, World Elite Mastercard, and the circles design are registered trademarks of Mastercard International Incorporated.

Bankoh Investment Services, Inc. doing business as Bankoh Investment Services. Investment and Insurance products are offered and sold by Bankoh Investment Services, Inc., a nonbank subsidiary of Bank of Hawaii and a member of FINRA/SIPC. Investment and Insurance products are NOT FDIC INSURED. NOT BANK GUARANTEED. NOT A DEPOSIT. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL.

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Opening an account is fast and easy.

You'll need to have these pieces of information ready before you get started:

  • Name, social security number, date of birth (all applicants)

  • Phone number and email address

  • The bank routing number and account number to fund your account

If you’re an existing Bank of Hawaii customer, you'll want to enter your online banking login (or your debit card and PIN) on the next screen.

Opening an account is fast and easy.

Opening a Bankohana Bonus Rate Savings Plus account gives you access to our Bankohana Savings Special. Once your Bankohana Bonus Rate Savings Plus account is opened, you’ll receive an email with the steps you’ll need to take to qualify for the special rate.

If you’re an existing customer, you'll want to enter your online banking login (or your debit card and PIN) on the next screen. If you don’t already have a Bankohana checking account, you’ll be prompted to open one during the account opening process.