Bankohana Level I Checking
Earn $3001 with a new Bankohana Level I Checking account
Get more from this interest bearing checking account including preferred rates, waived fees, and $300 cash bonus when you open a new account and meet promotion requirements.
Here’s how it works
- Open a new Bankohana Level I Checking account online
Open your account online with an initial deposit1 of at least $500 or more. - Set up your direct deposit
Make Qualifying Direct Deposits1 totaling $3,500 or more within 60 days of opening your account. - Get rewarded
Receive your $300 bonus within 120 days from account opening when you meet promotion requirements.
Ready to open your account?
Open Online
Opening an account online is quick and easy. Follow the prompts and you’ll be done in a few minutes.
Open at a Branch
Open your new account when and where it’s most convenient for you by booking an appointment. Our friendly team members will guide you through the process.
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
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Ease and accessibility when you need it. Find locations >
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Access the largest ATM network in Hawaii
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Meet with one of our local experts
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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
Connect with a specialist
We’re here to help with all of your banking needs. Choose from in-person or phone appointments at a time and location that’s convenient for you.
Contact our local experts
Send us a message, and our team will contact you by the next business day.
Frequently asked questions
What is Bankohana?
Bankohana is our premier family of accounts. Bankohana accounts get exclusive benefits like preferred interest rates, waived fees, complimentary checks, discounted services, and more.
Start with a Bankohana Checking account which will be your primary account. Then add an optional Bankohana Savings account and/or a Bankohana CD account which may be used to meet the combined balance requirements, provided that at least one of the Bankohana checking account holders is the primary owner of the designated related account.
What do I need to open my Bankohana account online?
Opening a Bankohana account is fast and easy. Youʻll need the following to 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
How do I fund my Checking or Savings account online?
There are three methods to fund your account online:
The first method, Instant Account Verification (IAV) is an easy and convenient way for you to use the username and password of your existing account with another financial institution to verify and fund your new account on the spot.
The second method, Small Dollar Verification (SDV) verifies your new account by depositing two small deposits (less than $1 each) into your existing bank account. The deposits will appear within 1-3 business days. You will then need to log back into your new deposit account application and verify the deposit amounts to successfully open your account online.
The last method is internal funding. If you are an existing Bank of Hawaii customer, you can enter your online banking login or debit card and PIN at the beginning of the account opening process to fund your new account with funds from your existing Bank of Hawaii account.
What if I want to open my Bankohana account in a branch?
For your convenience, we recommend booking an appointment in advance to ensure you’re able to get the dedicated time you need.
I just opened my account. What’s next?
Welcome to Bank of Hawaii! Weʻll be reaching out to you via phone and email with tips to help you make the most of your new account. You can also explore features here.
How do I set up a recurring transfer to deposit into this account?
Once you have successfully opened and funded your account, simply visit boh.com and enroll in Bank of Hawaii Online Banking. Once enrolled and logged in, you may set up your recurring transfer.
I have a question about the checking promotion. Where can I find more information?
To learn more about our checking promotions, click here.
1 Eligibility
To be eligible for a new checking account bonus, you must open a new Convenience or Bankohana Level I 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 I Checking | 7/1/2026 HST | Online OR In Branch | $500 | $3,500 | $300 |
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. For Bankohana Level I accounts opened in-branch, account must also be successfully opted in with a banker within 30 days of account open.
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. This 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
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 Deposit 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 I | $500 | $15 (or waived with a Combined Balance of $6,000) | $1 | 0.01% |
The variable Annual Percentage Yields (APYs) are as of 7/1/2026 for State of Hawaii and 7/2/2026 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 For a full list of accounts that may be used to meet the combined balance requirement, review the Bankohana Benefits and Requirements document.
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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, please enter your online banking login (or your debit card and PIN) on the next screen.
