EASE by Bank of Hawaii®

EASE into life with the account that’s worry-free.

Our EASE account is paper-free, check-free, and has no overdraft fees.1 And if you need to come into a branch, our friendly personal service is always free. You’ll also have a handy debit card, secure online and mobile banking, and free online bill pay.

[1,2] See important information

1 Please refer to the Consumer Checking and Savings Account Fee Schedule for applicable fees.

2 Debit Card Requirements and Other Restrictions:

  • Must have an EASE by Bank of Hawaii account
  • Must be 13 years or older

Get More with Bank of Hawaii

Which checking account is best for you?

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Open Online

Opening an account online is quick and easy. Follow the prompts and you’ll be done in a few minutes.

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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.

Meet in person

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.

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Contact our local experts

Send us a message, and our team will contact you by the next business day.

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.

Terms and Conditions

Learn how and when fees are assessed for this account in the EASE by Bank of Hawaii Outline of Basic Terms and Conditions.

Balances defined

Learn about the different types of balances for your account.

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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