FAQ - Personal Checking

Q: What is a scheduled transfer?

A scheduled transfer is a way of automatically moving money from your checking account to another checking or savings account each pay period.

To set up your Automatic Transfers, simply sign in to FHB Online service and click the "Transfer Funds" tab at the top of the page. Or, you can visit your nearest branch, where an associate will be happy to assist you.

Q: What is an Item Enclosure fee?

An Item Enclosure fee is charged when you receive a copy of your canceled checks with your statement. You may request to be added onto CheckStorage to avoid the Item Enclosure fee by contacting our 24 hour customer service line at 1-888-844-4444.

Q: What is a Check Image Service fee?

A Check Image Service fee is charged for returning images of your canceled checks with your monthly statement. You can receive an online version of your statement which includes images of your canceled checks at no cost. To change the way you receive your statements, log in to your FHB Online account and change your delivery preferences from the statement page.

Q: What is the ABA routing number?

The ABA routing number is a 9–digit number assigned to financial institutions by The American Bankers Association (ABA) to identify the financial institution from which a payment was drawn. Routing numbers are sometimes referred to as “check routing numbers”, “ABA numbers”, or “routing transit numbers” (RTN). Routing numbers may differ depending on where your account was opened and the type of transaction made.

Q: What is the routing number for my First Hawaiian Bank account?

You may find the correct routing number for the type of transaction you want to make by referencing the chart below.

Routing numbers for check orders, direct deposits, EFT's, ACH transfers, etc.:







Routing numbers for wires:

Hawaii, Guam and CNMI


Swift Code (For Foreign Wires)


Q: Where is the First Hawaiian Bank/ABA routing number on my check?

The sample check graphic below shows where the ABA routing number can be found on your checks. The routing number is the first nine digits on the bottom left hand side of the check.


Q: How do I deposit money into my personal checking account?
  • Cash, check, and coin deposits are accepted at all First Hawaiian Bank branches. Please see a teller to conduct your deposit.
  • Cash and check deposits are accepted at most First Hawaiian Bank ATM’s.
  • Wire transfers are accepted into personal and business accounts; however incoming wire fees may apply. 
  • Electronic Funds Transfers (EFT’s) such as direct deposits from employers or other businesses are accepted into personal and business accounts at no charge from First Hawaiian Bank.
  • Check deposits are accepted via mail to your branch of account. Please allow additional time for processing delays due to mail time.
Q: How do I make a deposit if I don't live near any banking centers or ATMs?

To make a deposit by mail, send your check(s) to your branch of account. Please use our branch locator to find your branch of account’s address.  Please do not mail cash. 

Q: What is direct deposit?

Direct deposit automatically places your paycheck, pension, Social Security, or other regular monthly income into your checking, savings, or Money Market account.  It's convenient, secure, and saves trips to your branch.

Q: What does direct deposit cost?

 There is no charge for direct deposit.

Q: How can I get direct deposit?

Please inquire with your employer or the entity providing your payment.  They will require the First Hawaiian Bank routing number and your account number or voided check.

Q: When are my funds available after deposit?

The speed with which we make your deposited funds available depends on a number of factors, including how, when, and where you made your deposit. For example:

  • Direct Deposit: First Hawaiian Bank credits your account on the day the deposit is scheduled to occur. In most cases, a direct deposit is the fastest and easiest way to get funds into your account. Also, direct deposits are free.
  • Wire Transfer: First Hawaiian Bank credits your account the day we receive it. Wire transfers typically have to be set up for each transfer. In most cases, there is a fee for sending or receiving a wire transfer, but it can be worth the expense since you know the money will be there when you need it.
  • Cash with a Teller: Funds are available immediately.
  • Checks: A hold may be placed on your deposit, depending on the type of check. If you're not sure, ask your teller when the funds you deposited will be available.
Q: What does it mean if I receive a hold on my account after I have made a deposit?

A hold means that although we've received your check for deposit, you won't be able to use the funds until the hold period has expired. Depending on the type of check that you deposit, funds may not be available until the third business day after the day of your deposit. However, the first $225 of your check deposits will be available on the first business day after the date of your deposit. If the deposited item is returned unpaid before the hold expires, those funds will not be made available to you. If the deposited item is returned after the hold expired, we charge your account for the amount of the item. Holds are placed to help protect both you and us from losses that could occur when a deposited item is returned unpaid. Situations that typically cause a check to be held include:

  • There is reason to believe the funds may be uncollectible
  • The source of the check (e.g., foreign checks)
  • The account is a new account (new account rules apply for the first 30 days the account is open)
  • The account has repeated overdrafts in the last 6 months
  • You deposit checks totaling more than $5,525 on any one day
  • Fraud is suspected
  • The check was previously deposited, then returned unpaid
  • The check was not properly endorsed
  • Emergency situations, including computer or communication failure
  • Incorrect routing or account number information on a deposit slip

We will notify you at the time you make your deposit if we are going to place a hold on your funds. If we decide to place a hold on your deposit after you have left the branch, we will mail you the hold notice. If you make a deposit at an ATM or by mail and a hold is placed, we will mail the hold notice to you.

Q: How can I avoid having a hold placed on my deposit?

To avoid holds, you can use:

  • Direct deposit: You can avoid having a hold placed on your check by using direct deposit instead. If you have recurring income like a paycheck, pension payment or Social Security check, arrange to receive it by direct deposit.
  • Cash deposits made at a teller window are usually made available immediately.
Q: How do I check my balance by phone?

To check your balance by phone, call your branch at the number listed on your statement or customer service at 1-888-844-4444.  Customer service associates are available 24 hours a day,
7 days a week.

Q: How can I withdraw money from my personal checking account?

There are many ways, including:

  • FHB Online® - transfer funds between First Hawaiian Bank accounts, to accounts at other financial institutions or to accounts belonging to other people. In addition, if you sign up for the optional Bill Payment feature, you can pay all of your bills online in one place.

    Note: Some features have additional fees. See terms & conditions for details.

  • Cash withdrawals from First Hawaiian Bank ATMs and other ATMs
  • Transfers between linked accounts at First Hawaiian Bank ATMs
  • Make purchases at participating merchants using your debit card
  • Personal checks
  • Transactions with a branch teller

Additional transaction fees may apply. Refer to the disclosures you received at account opening or inquire with your branch.

Q: How do I stop payment on a personal check?

You can request a stop payment on a personal check by calling our toll free number, 1-888-844-4444 or the number for First Hawaiian Bank in your local telephone directory.

You will need to provide the following information:

  • Check number
  • Date the check written
  • Exact amount
  • Payee

Please note, if the amount and the check number are not exact, the check may be paid. A stop payment cannot be placed on an item that has already been presented.  A stop payment fee will be assessed on your account for the request.

Q: What kind of banking can I do by mail?

Sometimes, you may find it difficult to visit a branch when one is open.  You may send written requests to your branch of account for assistance with closing accounts, requesting account changes, or asking questions.  For all account-related requests, your original signature and full account number are required.  A phone number where we may contact you is highly recommended as we often need to call customers for further clarification or to request additional information after we receive your letter. 


Call Us

Customer Service Center
Oahu: (808) 844-4444
Toll Free: (888) 844-4444

FHB Online/Bill Pay/Mobile Banking
Oahu: 643-4343
Toll Free: (888) 643-4343
Mon-Fri 8:00 A.M. to 9:00 P.M.

For Hearing Impaired Callers
Oahu: 848-5491
Toll Free: (800) 228-6181

Write Us

First Hawaiian Bank
PO Box 3200
Honolulu, HI 96847