Overdraft Protection

Bankoh CoverCheck

Convenience and peace of mind with overdraft protection

An unsecured line of credit that’s there when you need it

Bankoh CoverCheck is an unsecured line of credit that will automatically transfer funds to your linked checking account in $50 increments, up to your available credit limit, to cover overdrafts*.

Bankoh CoverCheck

Bankoh CoverCheck
Current Variable Annual Percentage Rate Annual Fee




1 The Bankoh CoverCheck Annual Percentage Rate (APR) may vary at any time and will be equal to the U.S. Prime Rate published in the Money Rates section of The Wall Street Journal, plus a margin of 12.00%. In no event will the APR be more than 18% for customers residing in Guam. The current variable APR as of 5/16/2024 is 20.50%.

2 $35 annual fee waived for Bankoh CoverCheck accounts linked to a Bankohana Checking Account.


Completing your application

Select “Click here for a CoverCheck” on the application.

Apply now

Please gather the following items for all applicants:

Requirements for all applicants:

  • 18 years or older
  • Residents of Hawaii or Guam may apply online using a valid email address or at a branch
  • Residents of Saipan must apply at a branch
  • Existing Bank of Hawaii personal checking account

Important considerations:

  • Credit limits from $250 to $5,000
  • To protect your personal information, you will receive a timeout warning after 15 minutes of inactivity.
  • The following checking account types are ineligible for overdraft (OD) protection from a CoverCheck account: EASE by Bank of Hawaii, accounts held in trust, accounts with existing OD protection from savings (OD protection from savings may be terminated).
  • To apply online you must consent to sign your loan documents electronically via electrionic signature. If you prefer to sign your loan documents in person, please visit any Bank of Hawaii branch to submit your application.
  • CoverCheck is only available for eligible checking accounts that are fully opened. If you recently opened your account online, you may apply for a CoverCheck once the account has been successfully funded and is available for use.

* Subject to credit approval.

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