Convenience Checking

Earn $1001 with a Convenience Checking Account when you open online

Bank where you want, when you want with this convenient checking account. Earn $100 when you open and fund a new Convenience Checking account online with an initial deposit of at least $500 and make $2,000 in total Qualifying Direct Deposits1. Bank anywhere. Apply right here.

[1] See important information

1 Eligibility

To be eligible for a new checking account bonus, you must open a new Convenience 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


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 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 and per customer. If an 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 bonus per customer. This offer cannot be combined with other checking promotions. Offer is subject to change 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 $3.25 N/A N/A

The variable Annual Percentage Yields (APYs) are as of 4/1/2024 for State of Hawai‘i and 4/2/2024 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.

For further details on these accounts, please see the Outline of Basic Terms & Conditions, Consumer Checking and Savings Account Fee Schedule available at a branch or at

Here’s how it works

  1. Open a new Convenience Checking account online
    Open your account online with an initial deposit of at least $500. For accounts opened online only.

  2. Set up your direct deposit
    Make Qualifying Direct Deposits1 totaling $2,000 or more within 60 days of opening your account.

  3. Get rewarded
    Receive your $100 bonus within 120 days from account opening when you meet qualifying requirements. Bonuses are limited to one per account per customer. This offer cannot be combined with other checking promotions. Early closing fees apply.

[2] See important information

2 Debit Card Requirements and Other Restrictions:

  • Must have a Bank of Hawaii checking account
  • Must be 16 years or older

Ready to open your account?

Open online to take advantage of our $1001 bonus

Opening an account online is quick and easy. Plus, you can earn $100 when you open your account online and meet promotion requirements!

Open now

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.

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Frequently Asked Questions

What is a checking account?

A checking account is a bank account that you regularly use for transactions, such as making deposits or withdrawing money. Checking accounts may come with a debit card and/or checks to help you easily access your funds.

What do I need to open my checking account online?

Opening a checking 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 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 checking 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.

I have a question about the checking promotion. Where can I find more information?

To learn more about our checking promotions, click here.

Terms and Conditions

Learn how and when fees are assessed for this account in the Convenience Checking Outline of Basic Terms and Conditions.

Balances defined

Learn about the different types of balances for your account.

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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, you'll want to enter your online banking login (or your debit card and PIN) on the next screen.