First Hawaiian Bank

FAQ - Payments

Q: What is Online Bill Payment?
A:

Online Bill Payment is a feature of FHB Online® that lets you:

  • Pay most businesses and individuals anywhere in the United States.
  • Schedule single payments up to one year in advance.
  • Set up recurring payments (such as your mortgage, car payment, rent or cable bill).
Q: How much does Online Bill Payment cost for individuals?
A:

Online Bill Payment is an optional service and is available for only $5.99 per month (or $3.99 if you're a FirstChecking or Priority Banking Level 1 or 2 customer, and free if you're a Priority Banking Level 3 customer). New FHB Online customers will receive this service free for the first two months.

The monthly fee for Online Payment through Quicken is $9.95.

Q: How and when will I be billed for Online Bill Payment?
A:

If you are a new FHB Online customer and elect to enroll in Online Payment, you will get the first two months free. After the first two months, the checking account you indicated at the time of enrollment will be automatically charged for the monthly service fee for as long as you maintain the Online Payment service.

Q: Do I have to pay for Online Bill Payment even if I don't use it?
A:

Yes. After the free trial period, Online Payment customers will be assessed the monthly service fee as long as they are signed up for that service. The fee will not be waived during months of inactivity.

Q: Which of my First Hawaiian accounts can I use to pay my bills?
A:

You may use any First Hawaiian Bank checking account, excluding Money Market Checking.

Q: How do I add Online Bill Payment to my FHB Online account?
A:

Log in to FHB Online® and go to the "Messages" tab. Click on the "Send Us a Message" link and select "Add/Delete Bill Payment Service" from the subject line drop down menu. Send us a message to activate Online Bill Payment as part of your FHB Online service.

Q: How do I cancel Online Bill Payment?
A:

You may cancel Online Bill Payment by sending us a message asking us to cancel your Online Payment service.

Q: Who can I pay?
A:

You can pay anyone with a United States address with the following exceptions: Federal, state or local government agencies, tax payments, court-directed payments (such as alimony or child support) or to a security broker, or to casinos or any other type of gambling facility. (Important note for consumer customers: for prompt crediting of a payment to your FHB credit card account, your payment must be mailed to BankCard Center, P.O. Box 29450, Honolulu, Hawaii, 96820-1850.)

Q: How are my bills paid?
A:

Payments are sent electronically or by check depending on the merchant's arrangement with our processor. Sometimes a check may be sent even if the payee accepts electronic payments.

Q: What is the lead time? How far in advance should I set up payments?
A:

To help you schedule enough lead time for your payment to reach your payee, we show you the minimum required lead time for that payee on the "Make a Single Payment," "Make a Recurring Payment," and "Payee List" screens. Payments should be scheduled at least two or five Business Days before you want the payment to be received, depending on the payment method. A Business Day is every calendar day except for Saturdays, Sundays and bank holidays.

Q: What is the difference between the "payment date" and the "send date?"
A:

The "payment date" is your payment due date excluding any grace period. This is the date when your payment is due to arrive to your payee. The "send date" or "process date" is the date we will debit your account and process the payment to be made to your payee. We calculate the send date based on the payment date you give us and the minimum required lead time for your payee.

Q: When does the payment get debited from my account?
A:

The payment gets debited from your account on the "send date." Any payment with a send date that falls on a weekend or holiday will be processed on the prior Business Day.

Q: What if I do not have sufficient funds on the advanced payment date?
A:

If, on the "send date" or "process date," the balance in your checking account (including any overdraft protection you may have linked to your checking account) is insufficient to make a payment you have authorized, we will delay the payment and try again on the next Business Day. If there is still an insufficient balance, we will once again delay the payment and try a third time on the following Business Day. If, after 3 attempts to debit the amount of the payment, there is still an insufficient balance to make the payment, we may either refuse to pay the item, or we may make the payment and overdraw your checking account. In either event, you will be responsible for any non-sufficient funds ("NSF") or overdraft charges we may impose.

 

Q: Can I schedule recurring payments?
A:

Yes. This feature allows you the convenience of scheduling payments that are for the same amount and made at regular frequencies to be sent automatically on an ongoing basis. This feature is especially convenient for payments like your mortgage (every month), water bill (every other month) or car insurance (twice a year).

You can schedule recurring payments to be made weekly, every two weeks, twice a month, monthly, every four weeks, every two months, quarterly, twice a year, and annually.

Q: How do I cancel a scheduled bill payment or a recurring payment?
A:

You can cancel any scheduled bill payment (single or the next payment of a recurring payment) by deleting the payment from the Upcoming Payments screen by 5:00 p.m. Hawaii Standard Time on the indicated "process date".

Q: What happens if the address changes for a recurring payment?
A:

You must cancel and reschedule a recurring payment when you update the address for the payee. If you don't cancel and reschedule the payment, the payment will continue to go to the address that was on file for the payee at the time the recurring payment was originally set up.

Q: Can I request a stop payment on a payment that has already been sent?
A:

No. Once the payment has been processed, we cannot place a stop payment. You may cancel requests for online payments through the service up to the Business Day before the "processing date" for the payment; however, once the payment has been sent, the payment cannot be stopped.

Q: What are "upcoming payments?"
A:

Upcoming payments are payments you have scheduled through the Online Payment service, which have not yet been processed and sent to the payee.

Q: What is the cut-off time to submit a bill payment?
A:

The cut-off time for submitting payments is 5:00 p.m. Hawaii Standard Time each Business Day. Payments submitted after 5:00 p.m. Hawaii Standard Time or on weekends or holidays will be processed as if they were submitted on the next Business Day. A Business Day is every calendar day except for Saturdays, Sundays and bank holidays.

Q: What is the cut-off time to change or delete upcoming payments?
A:

The cut-off time to change or delete an upcoming payment is 5:00 p.m. Hawaii Standard Time on the "process date".

Q: What is the "reference number" on the Upcoming Payments and Payment History screens?
A:

The reference number is a confirmation of your transaction request. It is useful to identify a transaction with this number when making inquiries on a specific bill payment or funds transfer.

Q: What is the advantage of using Online Payment rather than automatic deduction for recurring bills?
A:

Online Payment provides customers with the same convenience as automatic deduction from your checking account by allowing you to set up and maintain automatic recurring payments. The advantage of using Online Payment over automatic deduction is that you have more flexibility and control over how much you want to pay and when you want the payment to be made.

Q: How many payees can I list?
A:

An unlimited number of individuals and businesses can be set up as payees.

Q: How far in advance can I schedule a payment?
A:

You can schedule a payment up to one year in advance.

Q: What is the maximum amount a payment can be?
A:

The maximum amount of any one payment is the lesser of the current available deposit balance in your payment account (plus any available credit in an associated Yes-Check line of credit) or $99,999.99.

Q: How many payments can I schedule in a single month?
A:

The Online Payment monthly service fee is a flat fee. There is no per-transaction fee for payments.

Q: Will my overdraft protection work with this service?
A:

Yes, up to your overdraft protection limit.

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