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Checking accounts
Earn $100 with a Convenience Checking Account1
- Open and fund a new Convenience Checking Account online with an initial deposit of at least $500
- Make $2,000 in total Qualifying Direct Deposits within 60 days of account opening
- Earn a $100 checking bonus!
EASE by Bank of Hawaii
- No overdraft fees and check writing
- $3.25 monthly service fee waived2 with a minimum average daily Ledger Balance3 of $200 or with any monthly Direct Deposit4
- $25 minimum opening deposit
Bankohana Level I
- Earns exclusive Bankohana benefits
- $500 minimum opening deposit
- Waived monthly service fee with $6,000 in combined Bankohana balances5
[1,2,3,4,5] See important information
1 Eligibility
To be eligible for a new checking account bonus, you must open a new Convenience or Bankohana Level II or III Checking account (“Account”) and meet the respective requirements outlined in the table below. See the Initial Opening Deposit and Qualifying Direct Deposits sections below for the definition of an Initial Opening Deposit and Qualifying Direct Deposits.
Table 1
| New Checking Account | Opened on or after… | …via | … with Initial Opening Deposit of… | … and have Qualifying Direct Deposits of… | … are eligible to receive a bonus amount of |
| Convenience Checking | 5/28/2024 HST | Online | $500 | $2,000 | $100 |
| Bankohana Level II or Level III Checking | 3/11/2024 HST | Online OR In Branch | $500 | $3,500 | $400 |
A new Account must be opened. Changing an existing checking account product type will not qualify for any of the bonus offers. The Account open date is considered day 1. For Accounts opened on the weekend or a federal holiday, the next business day is considered your Account open date.
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 and be in good standing (e.g. not overdrawn or charged off, etc.) 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 checking bonus per Account per customer. If a checking Account is jointly owned and qualifies for the bonus, we consider the award as being granted to both owners and will satisfy the limit of one checking bonus per customer. This offer cannot be combined with other checking promotions. Offer is subject to change or end without prior notice.
Initial Opening Deposit
An Initial Opening Deposit is defined as the deposit made during the account opening application process. Any deposits made after the account opening process is completed are not considered as part of your Initial Opening Deposit, even if transactions are made on the same day as account opening. Although the minimum deposit to open a Convenience Checking account is $25, a higher Initial Opening Deposit of $500 is required to qualify for the Convenience Checking bonus. See Table 1 above. Your Initial Opening Deposit does not count towards the Qualifying Direct Deposits requirement.
Qualifying Direct Deposits are defined as certain incoming ACH credits posted to your account, 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 are NOT considered Qualifying Direct Deposits:
- All Initial Opening Deposits of checking accounts
- Peer-to-peer transfers processed as an ACH credit (such as Venmo, PayPal, etc.)
- Zelle transfers
- Deposits made at a teller, ATM, or through the Bank of Hawaii mobile app
- Internal transfers from another Bank of Hawaii account
- Incoming wires
If you fail to meet the Qualifying Direct Deposits requirement within 60 days from Account opening, you will not receive the bonus.
1099 Issuance
A 1099-INT form will be issued from Bank of Hawaii to the primary accountholder for the value of 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 Checking Account
| Checking Account Type | Minimum Deposit to Open | Monthly Service Fee | Minimum Balance to Earn APY | Variable APY |
| Convenience | $25 | $5 (Or waived with Minimum average daily Ledger Balance of $500 or total minimum monthly Direct Deposits of $500. The average daily Ledger Balance will appear on your statement as “Average balance") | N/A | N/A |
| Bankohana Level II | $500 | $25 (or waived with a Combined Balance of $20,000) | $1 | 0.01% |
| $50,000 | 0.02% | |||
| Bankohana Level III | $500 | $30 (or waived with Combined Balance of $50,000) | $1 | 0.01% |
| $50,000 | 0.02% |
The variable Annual Percentage Yields (APYs) are as of 1/29/2025 for State of Hawaii and 1/30/2025 for Saipan, Guam, and Palau and can change at any time. Fees may reduce earnings. Convenience Checking accounts closed within 180 days of account opening will be assessed an early closing fee of $40. Bankohana 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.
2 Fee waived for accountholder while under 18 years of age. Applies only for sole account ownership. Determination of eligibility is based on information given at account opening.
3 The average daily Ledger Balance will appear on your statement as “Average balance”.
4 Direct Deposit is defined as an electronic deposit made through the ACH network to your Account by someone else, such as an employer issuing payroll or a government paying benefits made during a monthly cycle.
5 For a full list of accounts that may be used to meet the combined balance requirement, review the Bankohana Benefits and Requirements document.
Savings accounts
Earn $200 with a new Bonus Rate Savings5
- Earn a $200 cash bonus when you meet promotion requirements
- Earn interest and rewards active savers with bonus interest when you deposit $25 or more each month and make no withdrawals that month. View rates
Earn $200 with a new Regular Savings5
- Earn a $200 cash bonus when you meet promotion requirements
- Earns interest on your savings. View rates
Earn $200 with a new Bankohana Bonus Rate Savings5
- Earn a $200 cash bonus when you meet promotion requirements
- Earns preferred interest and rewards active savers with bonus interest when you deposit $25 or more each month and make no withdrawals that month. View rates
Earn $200 with a new savings account
- Open an eligible savings account
Open a new Regular Savings, Bonus Rate Savings, or Bankohana Bonus Rate Savings account. - Deposit $7,500 within one month of opening the account
Deposit a total of $7,500 or more of New Money from another financial institution. - Maintain a daily balance of $7,500 or more for the next consecutive four months
If your daily balance goes below $7,500 within the next four months following the one month funding period, you will not qualify for the cash bonus. - Earn a cash bonus
Your $200 bonus will be credited to your account within 30 days of meeting all promotion requirements.
[5] See important information
5 To qualify for the bonus, make your $7,500 in New Money deposit(s) directly to the new Account in the form of a personal or official check from another financial institution, an incoming wire, ACH credit, Online Banking external transfer, or external funding of a new Account opened through boh.com within 30 days of account opening. You will be required to maintain a Daily Account Balance of at least $7,500 every day from Day 31 through Day 150 after Account opening ("Maintenance Period") to qualify for the bonus. If your Daily Account Balance falls below the required $7,500 minimum for even one (1) business day during the Maintenance Period, you will not receive the bonus.
If all qualifications are met, a bonus of $200 will be applied directly to your Account within 30 days. Your Account must remain open and be in good standing at the time of the bonus award. A 1099-INT form will be issued from Bank of Hawaii to the primary accountholder for the value of the bonus applied to your Account. Limit one savings bonus per Account per customer. If a savings account is jointly owned and qualifies for the bonus, we consider the award as being granted to both owners. This offer cannot be combined with other savings promotions. Offer is subject to change or end without prior notice.
The variable Annual Percentage Yields (APYs) are as of 8/1/2024 for State of Hawaii and 8/2/2024 for Saipan, Guam, and Palau and can change at any time. Fees may reduce earnings. Accounts closed within 180 days of account opening will be assessed an early closing fee of $40.
| Savings Account Type | Minimum Balance* to Open | Monthly Service Fee | Minimum Balance to Earn APY | Interest Rate | APY | Bonus Interest Rate | Combined APY |
| Regular Savings | $100 | $5† | $1 | 0.01% | 0.01% | None | None |
| Bonus Rate Savings‡ | $100 | $5§ | $1 | 0.01% | 0.01% | 0.03% | 0.04% |
| $10,000 | 0.01% | 0.01% | 0.03% | 0.04% | |||
| $25,000 | 0.01% | 0.01% | 0.03% | 0.04% | |||
| $100,000 | 0.02% | 0.02% | 0.03% | 0.05% | |||
| Bankohana Bonus Rate Savings# | $100 | None | $1 | 0.02% | 0.02% | 0.03% | 0.05% |
| $10,000 | 0.02% | 0.02% | 0.03% | 0.05% | |||
| $25,000 | 0.02% | 0.02% | 0.03% | 0.05% | |||
| $100,000 | 0.03% | 0.03% | 0.03% | 0.06% |
* Although the minimum balance to open each account is $100, a higher New Money deposit(s) of $7,500 is required to qualify for the bonus. Please note however that the $100 minimum balance to open your account may qualify toward your total New Money deposit requirement if it meets the definition of New Money
† Regular Savings Monthly Service Fee waived when you meet a minimum Daily Ledger Balance of $300
‡ The bonus interest rate and the combined APY are contingent upon making a minimum monthly deposit of $25 and no withdrawals during monthly cycle
§ Bonus Rate Savings Monthly Service Fee waived when you meet a minimum daily Ledger Balance of $500 or minimum monthly deposit of $25 and no withdrawals during monthly cycle
# To open a Bankohana Bonus Rate Savings account, a Bankohana Checking account is required and can be opened with a minimum deposit of $500 at the time of savings account opening
Which savings account is best for you?
Special offers
Checking Promo
Checking Account Specials
Open an eligible checking account and receive a special bonus when you meet promotion requirements.1
Bankohana Savings Special
Earn up to 7x the average savings rate* with our savings special.
*Based on the FDIC’s national rates for savings accounts. Accurate as of 3/17/2025.
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
Mobile and Online Banking
Mobile and Online Banking
Bring banking right to your fingertips. Learn more >
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Check your balances 24/7
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View your transaction history
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Transfer funds
Convenient Locations
Convenient Locations
Ease and accessibility when you need it. Find locations >
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Access the largest ATM network in Hawaii
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Stop by our convenient branches
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Meet with one of our local experts
Security and Alerts
Security and Alerts
Be in control with these self-serve features. Learn more >
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Turn your debit card on or off at the touch of a button
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Decide where, when and how your card is used
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Receive push notifications so you know whenever your card is being used
Earn HawaiianMiles®
Earn HawaiianMiles®
For just $3 a month, earn HawaiianMiles® with the Bankoh Hawaiian Airlines® Visa® Debit Card
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Earn 1 mile for every $2 in qualified purchases
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Share miles with no transaction fee
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Earn up to 1,000 HawaiianMiles® per month
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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:
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Name, social security number, date of birth (all applicants)
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Phone number and email address
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The bank routing number and account number to fund your account
If you’re an existing Bank of Hawaii customer, please enter your online banking login (or your debit card and PIN) on the next screen.
Opening an account is fast and easy.
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.
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