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 $200 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 $5,000 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.

Call Us

Administrative Offices
(808) 525-7000

Customer Service
Oahu: 844-4444
Toll Free: 1-888-844-4444

TTY/TDD
Oahu: 848-5491
Toll Free: 1-800-228-6181

FHB Online/Bill Pay/Mobile Banking
Oahu: 643-4343
Toll Free: 1-888-643-4343

Write Us

First Hawaiian Bank
PO Box 3200
Honolulu, HI 96847