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Checking accounts

Convenience Checking

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EASE by Bank of Hawaii®

No overdraft fees. No worries. Learn more

Bankohana Level I Checking

Unlock special features and earn interest. Learn more

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Savings accounts

Bonus Rate Savings

Reward yourself with a bonus rate. Learn more

Regular Savings

Great for a rainy day fund. Learn more

Bankohana Bonus Rate Savings Plus

Earn a higher bonus interest rate in addition to your regular interest. Learn more

Which savings account is best for you?

Earn $400 with a new Bankohana checking account.

Right now, you can earn $400 when you open a new Bankohana II or III checking account with a Qualifying Direct Deposit.1

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[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.

Discover convenience

Life can be complicated but finding the right banking solutions to fit your needs doesn’t need to be. Plus when you open a checking or savings account with Bank of Hawaii, you’ll have access to online and mobile banking, conveniently located branches, and the expertise and security of a bank that’s been in the business for over 125 years.

Get More with Bank of Hawaii

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Don’t see what you’re looking for? We’re here to help. Book an appointment in-person or over the phone at a time and location that’s convenient for you.

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Looking for something else?

See our full selection of other checking, savings and CD accounts.

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Links to other sites are provided as a service to you by Bank of Hawaii. These other sites are neither owned nor maintained by Bank of Hawaii. Bank of Hawaii shall not be responsible for the content and/or accuracy of any information contained in these other sites or for the personal or credit card information you provide to these sites.

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.

CD Specials must be entirely funded from another financial institution when opened online. The rate applied to your CD special is based on the published rate in effect on the day we receive your opening deposit. Based on the funding method you choose that can take up to 2-3 days.

Please ensure you have the bank routing number and account number to fund your new account. If you don’t already have a Bankohana checking account, you’ll be prompted to open one during the account opening process.

If you’d like to take advantage of our Online Checking Promotion, remember to fund your new checking account with an initial deposit of at least $500 and make your Qualifying Direct Deposits within 60 days of account opening.

If you’d like to skip this special offer, funding requirements may vary.

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.