Earn up to $4001 with our checking account offers.
Open a new checking account and receive a special bonus of up to $400 when you meet promotion requirements.
Our checking accounts give you more.
Get a special bonus of up to $4001 when you open a new checking account and meet promotion requirements within 60 days. You’ll also enjoy convenient services, plus account-specific perks. One bank. So many benefits!
Here’s how it works
- Choose the checking account that's right for you.
- Open your checking account with an initial deposit of at least $500.
- Make your Qualifying Direct Deposits1 within 60 days of opening your account.
- Receive your cash bonus within 120 days from account opening when you meet promotion requirements. Bonuses are limited to one per customer. Early closing fees apply.
Choose your checking account
Earn $400 with a Bankohana III account
Open and fund a new Bankohana Level III Checking account online or in-branch with an initial deposit of at least $500 and $3,500 in Qualifying Direct Deposits within 60 days of account opening1.
Early closing fees apply. Learn more
Earn $400 with a Bankohana II account
Open and fund a new Bankohana Level II Checking account online or in-branch with an initial deposit of at least $500 and $3,500 in Qualifying Direct Deposits within 60 days of account opening1.
Early closing fees apply. Learn more
Earn $200 with a Bankohana I account
Open and fund a new Bankohana Level I Checking account online with an initial deposit of at least $500 and $2,500 in Qualifying Direct Deposits within 60 days of account opening1.
Early closing fees apply. Learn more
Earn $100 with a Convenience Checking account
Open and fund a new Convenience Checking account online with an initial deposit of at least $500 and $2,000 in Qualifying Direct Deposits within 60 days of account opening1.
Early closing fees apply. Learn more
Compare checking accounts
| Select one | Compare with... | ||
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Convenience Checking
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Convenience Checking
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Bankohana Level I Checking
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Bankohana Level II Checking
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Bankohana Level III Checking
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| How to earn checking bonus | |||
| $100 with an initial deposit of $500 and $2,000 in Qualifying Direct Deposits within 60 days of account opening |
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| $100 with an initial deposit of $500 and $2,000 in Qualifying Direct Deposits within 60 days of account opening |
$200 with an initial deposit of $500 and $2,500 in Qualifying Direct Deposits within 60 days of account opening |
$400 with an initial deposit of $500 and $3,500 in Qualifying Direct Deposits within 60 days of account opening |
$400 with an initial deposit of $500 and $3,500 in Qualifying Direct Deposits within 60 days of account opening |
| Minimum initial deposit required for checking bonus | |||
| $500 | |||
| $500 | $500 | $500 | $500 |
| Monthly service fees | |||
| $3.25 through 9/30/2024 and will increase to $5 beginning 10/1/2024. Learn more about available monthly service fee waivers2. |
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| $3.25 through 9/30/2024 and will increase to $5 beginning 10/1/2024. Learn more about available monthly service fee waivers2. |
$15 or waived if $6,000 combined balance requirement is met3. |
$20 through 9/30/2024 and will increase to $25 beginning 10/1/2024. Waived if $20,000 combined balance requirement is met3. |
$30 or waived if $50,000 combined balance requirement is met3. |
| Check writing | |||
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Yes |
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Yes |
Yes |
Yes |
Yes |
| Bankoh Collection Series checks | |||
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Fee applies |
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Fee applies |
Complimentary |
Complimentary |
Complimentary |
| Bankoh Hawaiian Airlines® Visa® Debit Card | |||
| $3 per month, per card |
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| $3 per month, per card |
$3 per month, per card |
$1 per month, per card |
Fee waived |
| Notary services | |||
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Fee applies |
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Fee applies |
Fee applies |
Fee waived |
Fee waived |
| Cashier’s Checks | |||
| $12 | |||
| $12 | $12 |
Fee waived |
Fee waived |
| Preferred foreign exchange rates2 | |||
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No |
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No |
Yes |
Yes |
Yes |
| Annual safe deposit box rental discount | |||
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None |
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None |
$15 off | $30 off | $30 off |
| Bankoh Home EquityLine Annual Fee | |||
| $100 | |||
| $100 | $100 | $100 |
Fee waived |
| Discounted Fee on your new residential mortgage | |||
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None |
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None |
None |
None |
$100 off |
| Bankoh CoverCheck | |||
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Fee applies |
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Fee applies |
Fee waived for the account tied to your Bankohana Checking account4 |
Fee waived for the account tied to your Bankohana Checking account4 |
Fee waived for the account tied to your Bankohana Checking account4 |
| Interest bearing | |||
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N/A |
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N/A |
Yes |
Yes |
Yes |
Here's what you need to know
Bankohana III
Bankohana III checking accounts reward you with a host of valuable features and fee waivers in one easy-to-manage package. It’s the account that unlocks more with higher balances.
What you get:
- Bankohana preferred interest rates.
- Monthly service fee waived for an exclusive Bank of Hawaii Black Visa® Debit Card with HawaiianMiles® or Bankoh Hawaiian Airlines® Visa® Debit Card.
- Waived $30 monthly service fee if combined balance requirement is met in qualifying related accounts3.
What you need:
- $500 minimum opening deposit.
- $50,000 combined balance requirement in qualifying related accounts to avoid monthly service fee.
- Accounts opened online are only available to applicants with a physical address in the 50 United States, Guam, Saipan, Palau or American Samoa (for existing customers).
Bankohana Accounts closed within 180 days of account opening will be assessed an early closing fee of $70.
Learn more about Bankohana III checking accounts
To view preferred interest rates visit the consumer checking & savings rate sheet
Bankohana II
Bankohana II checking accounts make your hard-earned money work even harder for you with higher interest rates and special features.
What you get:
- Bankohana preferred interest rates.
- Waived monthly service fee with $20,000 in combined Bankohana balances. $20 monthly service fee through 9/30/2024 and will increase to $25 beginning 10/1/20243.
- Discounted monthly service fee for a Bankoh Hawaiian Airlines® Visa® Debit Card.
What you need:
- $500 minimum opening deposit.
- $20,000 combined balance requirement in qualifying related accounts to avoid monthly service fee.
- Accounts opened online are only available to applicants with a physical address in the 50 United States, Guam, Saipan, Palau or American Samoa (for existing customers).
Bankohana Accounts closed within 180 days of account opening will be assessed an early closing fee of $70.
Learn more about Bankohana II checking accounts
To view preferred interest rates visit the consumer checking & savings rate sheet
Bankohana I
Make your hard-earned money work harder for you with our interest-earning checking account.
What you get:
- Bankohana preferred interest rates.
- Waived $15 monthly service fee if combined balance requirement is met in qualifying related accounts3.
What you need:
- $500 minimum opening deposit.
- $6,000 combined balance requirement in qualifying related accounts to avoid monthly service fee.
- Accounts opened online are only available to applicants with a physical address in the 50 United States, Guam, Saipan, Palau or American Samoa (for existing customers).
Bankohana Accounts closed within 180 days of account opening will be assessed an early closing fee of $70.
Learn more about Bankohana I checking accounts
To view preferred interest rates visit the consumer checking & savings rate sheet
Convenience Checking
Our most popular checking account gives you access to convenience and horsepower for all your day-to-day banking needs.
What you get:
- No minimum balance requirement.
- $3.25 monthly service fee through 9/30/2024 and will increase to $5 beginning 10/1/2024. Learn more about available monthly service fee waivers1.
- Bank of Hawaii Visa® Debit Card*.
What you need:
- $25 minimum opening deposit. However, at least $500 initial deposit required to qualify for checking promotion bonus.
- Accounts opened online are only available to applicants with a physical address in the 50 United States, Guam, Saipan, Palau or American Samoa (for existing customers).
Convenience Checking accounts closed within 180 days of account opening will be assessed an early closing fee of $40.
Learn more about Convenience Checking accounts
*Debit Card Requirements and Other Restrictions:
- Must have a Bank of Hawaii checking account
- Must be 16 years or older
Who is eligible for this promotion?
Any new or existing Bank of Hawaii customer is eligible for this promotion when they open a new Convenience or Bankohana Level I checking account online or a Bankohana Level II or III checking account online or in-branch.
This promotion is limited to one checking bonus per account per customer. If any owner of a checking account has already received a checking bonus of any kind, any other checking account owned by account owner will not qualify.
What if my account is jointly owned? Who will earn the checking bonus?
This promotion is limited to one bonus per account and per customer. If an account is jointly owned and qualifies for the bonus, we consider the award as being granted to both owners and will satisfy the limit of one bonus per customer.
Can I participate in this promotion when I open my account at a Bank of Hawaii branch?
To participate in the Convenience or Bankohana Level I checking promotion, your new account must be opened online.
You may participate in the Bankohana Level II or III checking promotion online or in-branch. Ready to open your new account in branch? Book an appointment.
What is considered a Qualifying Direct Deposit?
Qualifying Direct Deposits are defined as incoming ACH credits which can include electronic deposits made from an employer or another payer, such as salary, pension, or Social Security benefits. The deposit method is determined by the sender of the credit and Bank of Hawaii will rely on this information to determine a Qualifying Direct Deposit.
The following types of transactions are examples of what is not considered Qualifying Direct Deposits:
- Peer-to-peer transfers processed as an ACH credit (such as Venmo, PayPal, etc.)
- Zelle
- Deposits made at a teller, ATM, or through the Bank of Hawaii mobile app
- Internal transfers from another Bank of Hawaii account
- Incoming wires
How do I set up direct deposit?
Setting up direct deposit is quick and easy. Visit our Direct Deposits page for more information.
How will I receive the cash bonus if I qualify for this promotion?
The cash bonus will be applied to your qualifying checking account as a statement credit. Your account must be in good standing and open at the time of credit.
I participated in this promotion. When will I see the bonus in my account?
Those who qualified for the promotion will see the statement credit applied to their qualifying checking account within 120 days of their account opening date.
Will I receive a 1099 if I participate in this promotion?
Yes, you will receive a 1099-INT for the value of the bonus.
Connect with a specialist
Choose from in-person or phone appointments at a time and location that’s convenient for you.
1 Eligibility
To be eligible for a new checking account bonus, you must open a new Convenience or Bankohana Checking account (“Account”) and meet the respective requirements outlined in the table below. See the Initial Opening Deposit and Qualifying Direct Deposits sections below for the definition of an Initial Opening Deposit and Qualifying Direct Deposits.
Table 1
| New Checking Account | Opened on or after… | …via | … with Initial Opening Deposit of… | … and have Qualifying Direct Deposits of… | … are eligible to receive a bonus amount of |
| Convenience Checking | 5/28/2024 HST | Online | $500 | $2,000 | $100 |
| Bankohana Level I Checking | 5/28/2024 HST | Online | $500 | $2,500 | $200 |
| Bankohana Level II or Level III Checking* | 3/11/2024 HST | Online OR In Branch | $500 | $3,500 | $400 |
*See Bankohana Level II and III Checking Promotion Terms and Conditions for additional details.
If qualifications are met, a bonus will be applied directly to your Account within 120 days of your Account’s open date. Your Account must remain open and be in good standing at the time of the bonus award. If your Account type is changed or if your Account is closed before the bonus is awarded, you will not receive the bonus. Limit one bonus per account and per customer. If an account is jointly owned and qualifies for the bonus, we consider the award as being granted to both owners and will satisfy the limit of one bonus per customer. This offer cannot be combined with other checking promotions. Offer is subject to change without prior notice.
Initial Opening Deposit
An Initial Opening Deposit is defined as the deposit made during the account opening application process. Any deposits made after the account opening process is completed are not considered as part of your Initial Opening Deposit, even if transactions are made on the same day as account opening. Although the minimum deposit to open a Convenience Checking account is $25, a higher Initial Opening Deposit of $500 is required to qualify for the Convenience Checking bonus. See Table 1 above. Your Initial Opening Deposit does not count towards the Qualifying Direct Deposits requirement.
Qualifying Direct Deposits are defined as certain incoming ACH credits posted to your account, which can include electronic deposits made from your employer or another payer, such as your salary, pension, or Social Security benefits. The deposit method is determined by the sender of the credit, and Bank of Hawaii (“the Bank”) will rely on this information to determine a Qualifying Direct Deposit. The Bank has sole discretion to determine what a Qualifying Direct Deposit is for purposes of this promotion.
The following types of transactions are examples of what are NOT considered Qualifying Direct Deposits:
- All Initial Opening Deposits of checking accounts
- Peer-to-peer transfers processed as an ACH credit (such as Venmo, PayPal, etc.)
- Zelle transfers
- Deposits made at a teller, ATM, or through the Bank of Hawaii mobile app
- Internal transfers from another Bank of Hawaii account
- Incoming wires
If you fail to meet the Qualifying Direct Deposit requirement within 60 days from account opening, you will not receive the bonus.
1099 Issuance
A 1099-INT form will be issued from Bank of Hawaii to the primary accountholder for the value of bonus applied to your Account. You are responsible for any and all taxes and fees associated with the credit awarded from this promotion.
About Your Checking Account
| Checking Account Type | Minimum Deposit to Open | Monthly Service Fee | Minimum Balance to Earn APY | Variable APY |
| Convenience | $25 | $3.25 through 9/30/24 $5.00 from 10/1/24 and after |
N/A | N/A |
| Bankohana Level I | $500 | $15 (or waived with Combined Balance of $6,000) | $1 | 0.01% |
| Bankohana Level II | $500 | $20 through 9/30/24 $25 from 10/1/24 and after (or waived with a Combined Balance of $20,000) |
$1 | 0.01% |
| $50,000 | 0.02% | |||
| Bankohana Level III | $500 | $30 (or waived with Combined Balance of $50,000) | $1 | 0.01% |
| $50,000 | 0.02% |
The variable Annual Percentage Yields (APYs) are as of 4/1/2024 for State of Hawaii and 4/2/2024 for Saipan, Guam, and Palau and can change at any time. Fees may reduce earnings. Convenience Checking accounts closed within 180 days of account opening will be assessed an early closing fee of $40. Bankohana Accounts closed within 180 days will be assessed an early closing fee of $70.
For further details on these accounts, please see the Outline of Basic Terms & Conditions, Consumer Checking and Savings Account Fee Schedule, and Bankohana Addendum available at a branch or at boh.com/agreements.
2 Please refer to the Consumer Checking and Savings Account Fee Schedule for applicable fees.
3 For a full list of accounts that may be used to meet the combined balance requirement, review the Bankohana Benefits and Requirements document.
4 Application and credit approval required.
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If you’d like to take advantage of our Online Checking Promotion, remember to fund your new checking account with an initial deposit of at least $500 and make your Qualifying Direct Deposits within 60 days of account opening.
If you’d like to skip this special offer, funding requirements may vary.
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.