Checking

What would you like from your personal checking account? We can help you find the right fit with various accounts that offer convenience, value and, in some cases, dividends on your deposits.

Checking
  • eLife Checking

    Earn a competitive rate on your deposits with this feature-rich account.

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    eLife Checking
  • Super Draft

    Super Draft

    With larger daily balances, you can make your money work harder for you in this dividend-bearing account.

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  • Share Draft

    This personal checking account provides convenient access to your money and several online services.

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    Share Draft
  • Debit Rewards

    Debit Rewards

    Your everyday purchases earn points redeemable toward fantastic merchandise, travel, gift cards and more.

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  • Overdraft Protection

    Protect yourself from costly fees associated with returned payments from insufficient funds in your checking account.

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    Overdraft Protection
  eLife Checking Share Draft Super Draft
Ideal for you if You are a person on-the-go who enjoys rewarding yourself with a checking account that pays you back and the convenience of accessing your accounts electronically You want a simple checking account for your every needs You want to earn higher dividends while maintaining quick and easy access to your money
Complimentary HawaiiUSA Debit MasterCard®1 Yes Yes Yes
Complimentary Online Banking Yes Yes Yes
No-cost Access to Bill Pay Yes Yes Yes
Optional Overdraft Protection Yes Yes Yes
Check discounts Yes Yes Yes
Earns dividends Yes No Yes
Tiered dividend rates Yes No No
Minimum opening balance $20 $20 $1,000
Average daily balance required None None None
Maximum balance Unlimited Unlimited Unlimited
Setup fee None None None
Access
  • Online Banking and Bill Pay
  • eStatements and paper statements
  • Telephone Banking
  • HawaiiUSA Debit MasterCard®1
  • Surcharge-free ATM access at Bank of Hawaii
  • Automatic Transfers and Payments
  • Direct Deposit
  • Shared Branching access
  • Online Banking and Bill Pay
  • eStatements and paper statements
  • Telephone Banking
  • HawaiiUSA Debit MasterCard®1
  • Surcharge-free ATM access at Bank of Hawaii
  • Automatic Transfers and Payments
  • Direct Deposit
  • Shared Branching access
  • Online Banking and Bill Pay
  • eStatements and paper statements
  • Telephone Banking
  • HawaiiUSA Debit MasterCard®(Enhanced)1
  • Surcharge-free ATM access at Bank of Hawaii
  • Automatic Transfers and Payments
  • Direct Deposit
  • Shared Branching access
Great value
  • Unlimited check-writing and electronic debits
  • One complimentary box of HawaiiUSA Custom Checks per rolling calendar year
  • Designer checks available for nominal fee
  • Overdraft Protection from shares or Overdraft Line of Credit to qualified members
  • Courtesy Pay
  • Unlimited check-writing and electronic debits
  • Standard and designer checks available for nominal fee
  • Overdraft Protection from shares or Overdraft Line of Credit to qualified members
  • Courtesy Pay
  • Unlimited check-writing and electronic debits
  • Standard and designer checks available for nominal fee
  • Overdraft Protection from shares or Overdraft Line of Credit to qualified members
  • Courtesy Pay