Mobile Banking

A Safe Way to Send and Receive Money With People You Know and Trust

Discover the speed and convenience of Zelle® in the Bank of Hawaii mobile app.

Bank of Hawaii together with Zelle

Hand holding a phone with the Zelle app on the screen

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FAST: Move Money in Minutes1, not Days

With Zelle in the Bank of Hawaii mobile app, quickly send and receive money with almost anyone you know who has a bank account in the U.S. Money moves directly into your bank account, ready to use in just minutes!1

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SAFE: Using the App You Know and Trust

Keeping your money and information safe is our top priority. When you use Zelle within our mobile app, your information is protected with the same security we use to keep your bank account safe.

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EASY: Just a Few Taps

Enter your recipient's email address or U.S. mobile number, the amount you want to send, and with just a few taps on the mobile app, your money is on its way.

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Zelle Send Limits

  • Standard Limit per Customer: $500 per calendar day.
  • For clients of The Private Bank, Limit per Client: $1,000 per calendar day.2

Start Using Zelle Today

Send

Zelle app - send screenshot

Request

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Split

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SEND MONEY

A few taps on your mobile phone and money is on its way and accessible in minutes.1

REQUEST MONEY

Request and receive money from another person.3

SPLIT THE BILL

Split the cost of the bill with friends and be reimbursed in minutes.1, 3

Introducing Bank of Hawaii together with Zelle

Who knew sending money could be so simple? Using Zelle makes it easy.

Start using Zelle Today

FAQs

  • What is Zelle?

    Zelle is a fast, safe, and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.4

  • Who can access Zelle?

    State of Hawaii consumer checking accountholders, 18 years or older, will be able to use Zelle. Zelle is not currently available for business accountholders or Guam, Saipan, and Palau accountholders.

  • How can I access Zelle?

    It is available in the Bank of Hawaii mobile app.

  • How do I enroll with Zelle?

    To get started, log into Bank of Hawaii's mobile app and accept terms and conditions. Then tap the “+” button, and select “Zelle®” to get started. Confirm your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you’re ready to start sending and receiving money with Zelle.

  • Are there any fees associated with using Zelle?

    Bank of Hawaii does not charge any fees to use Zelle. Standard messages and data rates may apply. Ask your wireless provider for more information.

  • Who can I send money to with Zelle?

    You can send money to people you know and trust with a bank account in the U.S.

  • Are there limits to the amount of money I can send and receive?

    There are no limits to the amount of money you can receive. There are daily send limits set by Bank of Hawaii.

    a. Standard Limit per Customer: $500 per calendar day.

    b. For clients of The Private Bank, Limit per Client: $1,000 per calendar day.2

  • When will the money be available?

    a. The money sent with Zelle is typically available to an enrolled person within minutes.1 To ensure the payment moves as quick as possible ask your friends and family to enroll with Zelle before you send them money.

    b. In some cases, the payment could be delayed for your protection - for example, if Zelle or Bank of Hawaii suspect fraudulent activity is taking place.

  • Can I send and receive money from non-Bank of Hawaii customers?

    Yes. Non-Bank of Hawaii customers can send and receive money directly through the Zelle in their own banking app -- or in the Zelle app if their financial institution does not offer Zelle.4

  • Can I use Zelle for international transactions?

    In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.

  • I'm unsure about using Zelle to pay someone I don't know. What should I do?

    a. If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

    b. Neither Zelle nor Bank of Hawaii offer a protection program for any authorized payments made with Zelle.

  • Is sending money with your mobile phone safe?

    Keeping your money and information safe is a top priority for Bank of Hawaii. When you use Zelle within our mobile app, your information is protected with the same technology we use to keep your bank account safe.

  • Can I cancel a payment?

    a. If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled.

    b. If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.

  • I’m already using my U.S. mobile number or email address with Zelle at another financial institution. Can I still use Zelle with Bank of Hawaii?

    You can use Zelle with Bank of Hawaii, but will need to transfer your enrollment from your other banking app if you’re using the same U.S. mobile number or email address.

  • What is the difference between the Bank of Hawaii Zelle experience and the separate Zelle app?

    Bank of Hawaii partners with Zelle to allow you to send money to and receive money from friends, family and others you trust using your Bank of Hawaii mobile app. There is a separate Zelle app that is owned and operated by Early Warning Services, LLC. If you choose to use the Zelle app then you will be subject to separate terms and conditions.

  • What financial institutions offer Zelle.

    You can find a full list of participating banks and credit unions live with Zelle here.

  • How do I cancel my enrollment with Zelle?

    If you’re currently enrolled with Zelle in the Bank of Hawaii mobile app and would like to cancel your enrollment please contact our customer support team at 1-888-643-3888.


1Transactions typically occur within minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.

2For clients with an established relationship with The Private Bank. The increase to The Private Bank Limit may take up to 5 business days following enrollment with Zelle, to take effect. At any time should The Private Bank relationship be terminated, the standard limit in effect at the time of termination will be restored.

3In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.

4Must have a bank account in the U.S. to use Zelle.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.