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Debit Cards

Debit Card Overdraft Coverage

An option for your checking account



Bank of Hawaii has options that may help you avoid your ATM or debit card transactions from being declined at the point-of-sale or ATM. While no one likes to overdraw their checking account, Bank of Hawaii Debit Card Overdraft Coverage is available to cover you in the rare circumstances you would prefer that your transaction be approved and an overdraft occur.

Available For Unpredictable Times

An overdraft may occur when you do not have enough money in your account to cover a transaction, but we (Bank of Hawaii) pay for it anyway. “Not enough money in your accounts” means the available balance in your account is not sufficient to cover the transaction(s), even if your current balance would be enough to cover it.

Our Debit Card Overdraft Coverage is an option for your checking account that may pay the occasional or unintended overdraft for ATM transaction and/or one-time debit card transactions. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. There is no fee to sign up or to cancel this service, although there is an Overdraft Item Fee of $30 that will be applied each time you overdraw your account. You will not be charged no more than three (3) Overdraft Item and/or Returned Item Fees (“NSF Fee”) in any one (1) business day. You will not be charged an NSF Fee on any business day that your end of day available balance is or would have been overdrawn by $4.99 or less. In addition, no NSF Fee will be charged if the item causing or increasing the overdrawn amount is $2.49 or less.

Convenient and Flexible Coverage

Debit Card Overdraft Coverage is a convenience that may help you avoid declined one-time debit card transactions and/or ATM transactions. Debit Card Overdraft Coverage also gives you flexibility. If you enroll now, you can cancel at any time. If you do not enroll now, you can always enroll later. However, if you don’t take any action, you will not be covered by Debit Card Overdraft Coverage. Regardless of whether you enroll in Debit Card Overdraft Coverage, the NSF Fees, which are described above, will still apply to checks and other transactions (such as in-person withdrawal, automatic payment and recurring debit card transactions).

Please note: Debit Card Overdraft Coverage is not available for EASE by Bank of Hawaii accounts.

How to enroll

Visit a Branch

Click here to download the authorization form or ask a banking representative for a "What You Need to Know About Overdraft and Overdraft Fees" form. Complete the form and return it to any banking representative at any Bank of Hawaii branch.

Call Us

Call us at one of the numbers below:

  • In Hawaii: 643-3888
  • In U.S. Mainland and Canada: 1-888-643-3888
  • In Guam and Saipan: 1-877-553-2424
  • In Palau: 680-488-3338
  • TTY: 1-888-643-9888 

Press “0” and tell the customer service representative that you would like to enroll in Debit Card Overdraft Coverage.

See also:

Understanding Overdrafts

Overdraft Protection from Savings