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Bankohana - Level I Checking

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Outline of Basic Terms and Conditions*
 
Account Opening and Usage Minimum Deposit to Open Account $500.00
Monthly Service Fee $15.00 if combined Balance Requirement not met
Balance Requirement $6,000.00 Combined average daily balance in Bankohana Checking, qualifying deposits, qualifying consumer loans and qualifying Bank of Hawaii credit card balances
Interest Rate   See rate sheet for current APYs
Stop Payment Fee Waived per item to stop payment for six months
Deposited Item Returned Fee $7.00 per item returned to the bank unpaid
Account Closing Fee $70.00 for accounts closed within 180 days of opening
Other Fees   Please see our Fee Schedule for Personal Checking and Savings Accounts.
 
ATM Fees Using a Bankoh BankMachine
(Bank of Hawaii ATM)
None for deposits, withdrawals, transfers and balance inquiries
Other than a Bank of Hawaii ATM++ $2.00 for each withdrawal at a domestic ATM
Other than a Bank of Hawaii ATM++ $5.00 for each withdrawal at international ATMs (outside the US, American Samoa, Guam, Saipan, Palau, U.S. Virgin Islands or Puerto Rico)
Other than a Bank of Hawaii ATM++ $0.75 for each transfer or balance inquiry
++This is in addition to any fee that the ATM operator may impose.
 
Overdraft Fees Non-Sufficient Funds Item Paid/Overdraft Fee $26.00 per item (maximum 3 Overdraft and/or Returned Item Fees per day)
Non-Sufficient Funds Item Returned/Returned Item Fee $26.00 per item (maximum 3 Overdraft and/or Returned Item Fees per day)
Maximum Number of Overdraft and/or Returned Item Fees per account per day 3  
Overdraft Courtesy Waiver Up to $5 No Overdraft or Returned Item Fee on any day your ending balance is or would've been overdrawn by less than $5
Continuing Negative Balance Fee for extended overdrafts $10.00 charged for each seven day period the end of day balance remains below $0
Overdraft Protection from Savings
(must be enrolled)
$10.00 for each day when available funds are transferred from savings to cover any overdraft
 
Debit Card Overdraft Coverage You are able to select how you want everyday debit card transactions to be handled.
Option #1 (No - Opted Out)
This means you are not opted in to Debit Card Overdraft Coverage. Debit card transactions that would cause an overdraft will be declined at no cost to you; debit card transactions that cause an overdraft will not be assessed an overdraft fee.
Option #2 (Yes - Opted In)
This means you choose to enroll in Debit Card Overdraft Coverage. This option may help avoid ATM or debit card transactions from being declined. Please see Overdraft Fees above that may apply.
 
Posting Order We generally post transactions, low to high, in the following order:
1. Credits to the account
2. Debit transactions that must be paid
3. Debit transactions that can be returned
4. Other fees
Note: Fees associated with certain transactions may instead post immediately after the transaction.
 
Dispute Resolution Bank of Hawaii does not require mandatory arbitration.

*Please see our Fee Schedule for Personal Checking and Savings Accounts for complete listing of fees.

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