First Hawaiian Bank

FAQ - Credit Card Processing

Q: Why would I want to use credit card servicing?
A:
  • 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.
  • A credit card sale is virtually guaranteed without the risk of bad checks or cash mishandling.
  • MasterCard/VISA and other credit card companies spend millions to advertise their services and provide FREE promotional aids and displays.
  • Credit card customers have considerable purchasing power and have been prescreened for credit worthiness.
  • First Hawaiian Bank provides a monthly statement itemizing all your MasterCard, VISA, JCB, Diners Club, Carte Blanche and Discover sales.
  • Reduced Losses
  • Substantial Advertising and Promotional Support
  • Large Dollar Sales
  • Record Keeping
Q: What does your credit card processing service provide?
A:

First Hawaiian Bank offers the following benefits for credit card servicing: 

  • 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.
Q: What kind of options do you have for accepting credit card authorizations?
A:

First Hawaiian Bank offers the following options for credit card acceptance: 

  • 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!
  • In the event that you do need live assistance, an operator is available to verify and authorize credit card transactions.
  • Operator-Assisted Authorization
Q: What methods do you offers for settling credit transactions? How soon am I able to receive payment for my credit transactions?
A:

First Hawaiian Bank offers two methods for settling your credit transactions: 

  • 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.

Call Us

Administrative Offices
(808) 525-7000

Customer Service
Oahu: 844-4444
Toll Free: (888) 844-4444

TTY/TDD
Oahu: 848-5491
Toll Free: (800) 228-6181

FHB Online/Bill Pay/Mobile Banking
Oahu: 643-4343
Toll Free: (888) 643-4343

Write Us

First Hawaiian Bank
PO Box 3200
Honolulu, HI 96847