Checking accounts

Earn up to $4001 with our checking account offers.

Open a new checking account and receive a special bonus of up to $400 when you meet promotion requirements.

Our checking accounts give you more.

Get a special bonus of up to $4001 when you open a new checking account and meet promotion requirements within 60 days. You’ll also enjoy convenient services, plus account-specific perks. One bank. So many benefits!

Here’s how it works

  1. Choose the checking account that's right for you.
  2. Open your checking account with an initial deposit of at least $500.
  3. Make your Qualifying Direct Deposits1 within 60 days of opening your account. 
  4. Receive your cash bonus within 120 days from account opening when you meet promotion requirements. Bonuses are limited to one per customer. Early closing fees apply.

Choose your checking account

Online or In-Branch

Earn $400 with a Bankohana III account

Open and fund a new Bankohana Level III Checking account online or in-branch with an initial deposit of at least $500 and $3,500 in Qualifying Direct Deposits within 60 days of account opening1.

Waived $30 monthly service fee with $50,000 in combined Bankohana balances2. Early closing fees apply. Learn more

Online or In-Branch

Earn $400 with a Bankohana II account

Open and fund a new Bankohana Level II Checking account online or in-branch with an initial deposit of at least $500 and $3,500 in Qualifying Direct Deposits within 60 days of account opening1.

Waived $20 monthly service fee with $20,000 in combined Bankohana balances2. Early closing fees apply. Learn more

Exclusively Online

Earn $200 with a Bankohana I account

Open and fund a new Bankohana Level I Checking account online with an initial deposit of at least $500 and $2,500 in Qualifying Direct Deposits within 60 days of account opening1.

Waived $15 monthly service fee with $6,000 in combined Bankohana balances2. Early closing fees apply. Learn more

Exclusively Online

Earn $100 with a Convenience Checking account

Open and fund a new Convenience Checking account online with an initial deposit of at least $500 and $2,000 in Qualifying Direct Deposits within 60 days of account opening1.

$3.25 monthly service fee. Early closing fees apply. Learn more

Compare checking accounts

Compare checking accounts
Convenience Checking
  • Most popular
Convenience Checking
Bankohana Level I Checking
Bankohana Level II Checking
Bankohana Level III Checking
  • Most popular
  • Exclusive Bankohana benefits
  • More exclusive Bankohana benefits
  • The most exclusive Bankohana benefits
How to earn checking bonus
$100
with an initial deposit of $500 and $2,000 in Qualifying Direct Deposits within 60 days of account opening
$100
with an initial deposit of $500 and $2,000 in Qualifying Direct Deposits within 60 days of account opening
$200
with an initial deposit of $500 and $2,500 in Qualifying Direct Deposits within 60 days of account opening
$400
with an initial deposit of $500 and $3,500 in Qualifying Direct Deposits within 60 days of account opening
$400
with an initial deposit of $500 and $3,500 in Qualifying Direct Deposits within 60 days of account opening
Minimum initial deposit required for checking bonus
$500
$500 $500 $500 $500
Monthly service fees
$3.25
$3.25 $15
or waived if $6,000 combined balance requirement is met
$20
or waived if $20,000 combined balance requirement is met
$30
or waived if $50,000 combined balance requirement is met
Check writing

Yes

Yes

Yes

Yes

Yes

Bankoh Collection Series checks

Fee applies

Fee applies

Complimentary

Complimentary

Complimentary

Bankoh Hawaiian Airlines® Visa® Debit Card
$3
per month, per card
$3
per month, per card
$3
per month, per card
$1
per month, per card

Fee waived

Notary services

Fee applies

Fee applies

Fee applies

Fee waived

Fee waived

Cashier’s Checks
$12
$12 $12

Fee waived

Fee waived

Preferred foreign exchange rates2

No

No

Yes

Yes

Yes

Annual safe deposit box rental discount

None

None

$15 off $30 off $30 off
Bankoh Home EquityLine Annual Fee
$100
$100 $100 $100

Fee waived

Discounted Fee on your new residential mortgage

None

None

None

None

$100 off
Bankoh CoverCheck

Fee applies

Fee applies

Fee waived
for the account tied to your Bankohana Checking account3
Fee waived
for the account tied to your Bankohana Checking account3
Fee waived
for the account tied to your Bankohana Checking account3
Interest bearing

N/A

N/A

Yes

Yes

Yes

Here's what you need to know

More about

Bankohana III

Bankohana III checking accounts reward you with a host of valuable features and fee waivers in one easy-to-manage package. It’s the account that unlocks more with higher balances.

What you get:

  • Bankohana preferred interest rates
  • Monthly service fee waived for an exclusive Bank of Hawaii Black Visa® Debit Card with HawaiianMiles® or Bankoh Hawaiian Airlines® Visa® Debit Card
  • Waived $30 monthly service fee if combined balance requirement is met in qualifying related accounts.

What you need:

  • $500 minimum opening deposit.
  • $50,000 combined balance requirement in qualifying related accounts to avoid monthly service fee.
  • Accounts opened online are only available to applicants with a physical address in the 50 United States, Guam, Saipan, Palau or American Samoa (for existing customers).

Open now

Bankohana Accounts closed within 180 days of account opening will be assessed an early closing fee of $70.

Learn more about Bankohana III checking accounts

To view preferred interest rates visit the consumer checking & savings rate sheet

Bankohana II

Bankohana II checking accounts make your hard-earned money work even harder for you with higher interest rates and special features.

What you get:

  • Bankohana preferred interest rates
  • Waived $20 monthly service fee if combined balance requirement is met in qualifying related accounts.
  • Discounted monthly service fee for a Bankoh Hawaiian Airlines® Visa® Debit Card

What you need:

  • $500 minimum opening deposit.
  • $20,000 combined balance requirement in qualifying related accounts to avoid monthly service fee.
  • Accounts opened online are only available to applicants with a physical address in the 50 United States, Guam, Saipan, Palau or American Samoa (for existing customers).

Open now

Bankohana Accounts closed within 180 days of account opening will be assessed an early closing fee of $70.

Learn more about Bankohana II checking accounts

To view preferred interest rates visit the consumer checking & savings rate sheet

Bankohana I

Make your hard-earned money work harder for you with our interest-earning checking account.

What you get:

  • Bankohana preferred interest rates
  • Waived $15 monthly service fee if combined balance requirement is met in qualifying related accounts.

What you need:

  • $500 minimum opening deposit.
  • $6,000 combined balance requirement in qualifying related accounts to avoid monthly service fee.
  • Accounts opened online are only available to applicants with a physical address in the 50 United States, Guam, Saipan, Palau or American Samoa (for existing customers).

Open now

Bankohana Accounts closed within 180 days of account opening will be assessed an early closing fee of $70.

Learn more about Bankohana I checking accounts

To view preferred interest rates visit the consumer checking & savings rate sheet

Convenience Checking

Our most popular checking account gives you access to convenience and horsepower for all your day-to-day banking needs.

What you get:

  • No minimum balance requirement
  • $3.25 monthly service fee
  • Bank of Hawaii Visa® Debit Card*

What you need:

  • $25 minimum opening deposit. However, at least $500 initial deposit required to qualify for checking promotion bonus.
  • Accounts opened online are only available to applicants with a physical address in the 50 United States, Guam, Saipan, Palau or American Samoa (for existing customers).

Open now

Convenience Checking accounts closed within 180 days of account opening will be assessed an early closing fee of $40.

Learn more about Convenience Checking accounts

*Debit Card Requirements and Other Restrictions:

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

Who is eligible for this promotion?

Any new or existing Bank of Hawaii customer is eligible for this promotion when they open a new Convenience or Bankohana Level I checking account online or a Bankohana Level II or III checking account online or in-branch.

This promotion is limited to one checking bonus per account per customer. If any owner of a checking account has already received a checking bonus of any kind, any other checking account owned by account owner will not qualify.

What if my account is jointly owned? Who will earn the checking bonus?

This promotion is limited to 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.

Can I participate in this promotion when I open my account at a Bank of Hawaii branch?

To participate in the Convenience or Bankohana Level I checking promotion, your new account must be opened online.

You may participate in the Bankohana Level II or III checking promotion online or in-branch. Ready to open your new account in branch? Book an appointment.

What is considered a Qualifying Direct Deposit?

Qualifying Direct Deposits are defined as incoming ACH credits which can include electronic deposits made from an employer or another payer, such as salary, pension, or Social Security benefits. The deposit method is determined by the sender of the credit and Bank of Hawaii will rely on this information to determine a Qualifying Direct Deposit.

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
  • Deposits made at a teller, ATM, or through the Bank of Hawaii mobile app
  • Internal transfers from another Bank of Hawaii account
  • Incoming wires

How do I set up direct deposit?

Setting up direct deposit is quick and easy. Visit our Direct Deposits page for more information.

How will I receive the cash bonus if I qualify for this promotion?

The cash bonus will be applied to your qualifying checking account as a statement credit. Your account must be in good standing and open at the time of credit.

I participated in this promotion. When will I see the bonus in my account?

Those who qualified for the promotion will see the statement credit applied to their qualifying checking account within 120 days of their account opening date.

Will I receive a 1099 if I participate in this promotion?

Yes, you will receive a 1099-INT for the value of the bonus.

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1 Eligibility

To be eligible for a new checking account bonus, you must open a new Convenience or Bankohana 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 5/28/2024 HST Online $500 $2,500 $200
Bankohana Level II or Level III Checking* 3/11/2024 HST Online OR In Branch $500 $3,500 $400

*See Bankohana Level II and III Checking Promotion Terms and Conditions for additional details.

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
Bankohana Level I $500 $15 (or waived with Combined Balance of $6,000) $1 0.01%
Bankohana Level II $500 $20 (or waived with 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 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. 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.

3 Application and credit approval required.

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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.