First Hawaiian Bank

FAQ - Statements

 

Q: What are check images?
A:

Check images are pictures of your cancelled checks. Each cancelled check is scanned, and the digital image is stored in our computer system. Check images are then printed clearly in numerical order and included with your monthly account statement.

Each page will show up to 8 (image of check front side) per 8 1/2 x 11 page for individuals and up to 6 (image of check front & back sides) per page for businesses - all listed by check # in your monthly statement.  Check Image Statements can be easily filed or placed in a binder for reference. Click here for an individual example and here for a business example.

Q: Why is First Hawaiian Bank providing check images?
A:

First Hawaiian Bank customers who receive check images benefit from simplified record-keeping and reduced storage requirements for cancelled checks. And since images are in numerical order, it's very easy to locate a check on your statement.

Q: What is the cost for check images included with my statement?
A:

We generally charge a monthly fee for including one or more check images with your statement. Please see your Personal Schedule of Fees for more information.

Q: Why am I receiving copies of my check that contain the legend "This is a legal copy of your check. You can use it the same way you would use the original check."?
A:

You are receiving a substitute check, also known as an Image Replacement Document (IRD), which is a reproduction of an original check made from a digitalized image. It has the same legal standing as the original paper check and is a valid document for proof of payment purposes.

Q: Why are you sending me images of checks instead of sending me the originals and can I still get my original checks?
A:

As more banks take advantage of the Check 21 law, First Hawaiian Bank will receive only images of more and more items. Please note that if another bank or merchant converts your checks to digital images, they will send only the images to First Hawaiian Bank and either retain or destroy the original check. If your check is deposited at First Hawaiian Bank, a digital image will be captured, and the original check will be destroyed for security reasons.

Q: What is Check 21? What is a substitute check?
A:

The Check Clearing for the 21st Century Act (Check 21) is a federal law that allows other banks that process your checks to convert them to substitute checks to make the exchange of funds easier. This improves the efficiency and safety of the nation's check payment system.

 

A substitute check, also known as an Image Replacement Document (IRD), is a reproduction of an original check made from a digitalized image. It has the same legal standing as the original paper check and is a valid document for proof of payment purposes. A substitute check contains the legend "This is a legal copy of your check. You can use it the same way you would use the original check."

Q: Can the images be used for proof of payment, taxes, IRS audits, etc.?
A:

Yes. The IRS, Federal Reserve, local and state governments, courts of law and merchants generally accept check images as valid proof of payment.

Q: How do I order a copy of a cancelled check from my checking account?
A:

Copies of cancelled checks are available for up to 7 years from the date they are posted to your account.

To order check copies, sign in to Online Banking, and visit the Customer Service TAB. Select “Order Copy of a Check” and then choose the account and checks that you would like to order.

Please note, there may be a charge to order check copies. Refer to the Schedule of Fees associated with your account for more information on these charges.

Images of cancelled checks are available to you online and you may view or print these check images for free.

If you are not an Online Banking customer, please contact customer service at (888) 844-4444 for assistance with your check copy request.

Q: What if I have a question about statement options?
A:

If you have any questions or would like further information on available statement options, please contact a customer service representative at a branch or our customer service line 1-888-844-4444.

Q: Can I avoid the monthly fee I pay to get images of my checks back with my statement?
A:

Yes, you can avoid the fee by switching to our Check Storage service. You can contact our customer service line 24 hours a day, 7 days a week at (888) 844-4444 to be added to Check Storage.

Q: Will I receive check images for all of my checking and money market accounts?
A:

Yes, at this time First Hawaiian Bank has converted to a totally green, check image program.

Q: How do I elect paperless/online statements and stop mail delivery of my paper statements?
A:

You can participate in First Hawaiian Bank’s “Go Green” effort by selecting the “eStatement only” delivery preference for your statements. To do this, log into your account through FHB.com. Select the account for which you would like to change the delivery preference. Click on the “Statements” link found at the top of the page. A new page will appear. Click on the “Delivery Preferences” link and select the “eStatements Only” option.

Q: Can I receive check images with my Braille or large print statement?
A:

 Unfortunately, check images are not available for Braille or large print statements at this time.

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