Experience the difference of First Hawaiian Bank's Merchant Services program -- a credit card acceptance service backed by on site "local service" of an experienced and knowledgeable staff.

Call our Business Services Sales Department for more information at (808) 844-3172. (Neighbor Islands may call collect.) Guam merchants may call (671) 475-7846 or (671) 475-7842. (CNMI merchants may call collect.)

First Hawaiian Bank's merchant services product is "not the same" as other credit card processors. Local staff and local processing allow us to provide:

• Same day deposit for all major credit card transactions (except Amex) to your FHB checking account if you close your batch before 4:00 p.m. (12:00 noon in Guam and CNMI) on a banking day.
• On-site installation, training and trouble shooting.
• Local availability of replacement equipment.
• Paper draft processing (if need arises).
• Supplies free of charge.
• Personal assistance simply by calling a local phone number; no need to consider different time zones to get help when you need it.
• Local handling of chargeback requests.
  

We look forward to having you "experience the difference" of First Hawaiian Bank's Merchant Credit Card Acceptance program.Benefits of Credit Card Acceptance

• Immediate Access to Funds
  No more waiting for checks to clear, providing better cash management.
• Increased Sales
  More than 300 million people use credit cards with 20% of all sales a result of impulse buying.
• Reduced Losses
  A credit card sale is virtually guaranteed without the risk of bad checks or cash mishandling.
• Substantial Advertising and Promotional Support
  MasterCard/VISA and other credit card companies spend millions to advertise their services and provide FREE promotional aids and displays.
• Large Dollar Sales
  Credit card customers have considerable purchasing power and have been prescreened for credit worthiness.
• Record Keeping
  First Hawaiian Bank provides a monthly statement itemizing all your MasterCard, VISA, JCB, Diners Club and Carte Blanche daily sales.

Credit Card Authorization Sales
24-hours a day, 7 days a week

• Electronic Credit Card Authorization Terminals
  This is an efficient method of obtaining authorization for MasterCard, VISA, Diners, Carte Blanche, American Express, JCB and Discover cards. It eliminates the bottleneck that arises from lengthy credit checks. Each transaction is automatically recorded and kept on file which helps reduce credit card abuse and other types of credit card fraud. The terminal can also provide check authorizations just by entering the customer's driver's license number or any credit card number.
• Touch-Tone Telephone
  Access our fully computerized system to authorize a credit card transaction by simply entering the sales information on your touch-tone phone. No more waiting for operator assistance and, best of all, this service is free!
• Operator-Assisted Authorization
  In the event that you do need live assistance, an operator is available to verify and authorize credit card transactions.

Depository Services

• Electronic Draft Capture
  Get immediate credit with this service that replaces your paper sales draft deposits with direct electronic deposits. No more driving to the bank to make deposits. Your credit card receipts will be immediately deposited directly into your bank account. In addition, every credit card transaction will be automatically authorized.
• Paper Sales Draft Deposits
  Receive same day credit on the day of deposit for your sales drafts. Just complete a Merchant Summary Form, along with the sales drafts, and deposit to any conveniently located branch.