Savings Accounts

More security. More stability.

As your local trusted bank, we also offer more peace of mind.

Choose a savings account that fits your needs

Regular Savings

  • Earns interest
  • Waived service fees when minimum balance requirement is met

$100 minimum opening deposit

Bonus Rate Savings

  • Earns interest and rewards active savers with bonus interest
  • Waived service fees when requirements are met

$100 minimum opening deposit

Bankohana Bonus Rate Savings

  • Rewards active savers with preferred bonus interest
  • No minimum balance requirement

$100 minimum opening deposit

Bankohana Bonus Rate Savings Plus

$100 minimum opening deposit

Which savings account is best for you?

A rate so good, you'll think it's a CD.

Earn more on your savings with our exclusive Bankohana Savings Special. It's our highest savings rate — and you don't have to lock it in.

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We’re Among “America’s Most Trustworthy Companies”

Bank of Hawaii is proud to be the only local bank ranked one of “Most Trustworthy Companies in America” by Newsweek two years in a row.

Newsweek Most Trustworthy Bank 2023

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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Help kids be money smart with Greenlight®

Simply link your Bank of Hawaii checking or savings account with the Greenlight app and you’ll receive a complimentary1 Greenlight subscription.

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Frequently Asked Questions

What is a savings account?

A savings account is an interest earning bank account where you can safely keep money that you want to save for future use.

What type of savings account is right for me?

The right account depends on a number of factors, including how much you plan to save in your account, how long you plan to keep it there, as well as your financial goals now and in the future. If you need help choosing the right savings account, we can help. Book an appointment >

What is APY?

APY stands for Annual Percentage Yield and is the amount of money or interest you earn on a bank account over one year.

What do I need to open my savings account online?

Opening a savings 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

What if I want to open my savings 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.

1 Bank of Hawaii checking and savings customers are eligible for the Greenlight SELECT plan at no cost when they sign up through Bank of Hawaii and connect their Bank of Hawaii account as the primary Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Plans start at $4.99/mo. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 09/26/2025. Offer subject to change or renewal.

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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

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.

Opening an account is fast and easy.

CD Specials must be entirely funded from another financial institution when opened online. The rate applied to your CD special is based on the published rate in effect on the day we receive your opening deposit. Based on the funding method you choose that can take up to 2-3 days.

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.

Opening an account is fast and easy.

Opening a Bankohana Bonus Rate Savings Plus account gives you access to our Bankohana Savings Special. Once your Bankohana Bonus Rate Savings Plus account is opened, you’ll receive an email with the steps you’ll need to take to qualify for the special rate.

If you’re an existing customer, you'll want to enter your online banking login (or your debit card and PIN) on the next screen. If you don’t already have a Bankohana checking account, you’ll be prompted to open one during the account opening process.