First Hawaiian Bank

FAQ - Yes-Check Overdraft Protection

Q: What's Yes-Check?
A:

Yes-Check links your First Hawaiian Bank checking account to a line of credit – and automatically transfers available funds when your checking account doesn't have enough money to cover your transactions. The service gives you the flexibility to make purchases, prevent returned checks and declined transactions when you don't have enough money in your checking account at the time of the transaction.

Q: How does Yes-Check work?
A:

In the event that your checking account doesn't have enough money to cover a withdrawal or purchase, Yes-Check automatically transfers money into your checking account in increments of $100.00.

Q: What is a Yes-Check Advance fee?
A:

A Yes-Check Advance fee occurs whenever funds must be provided to cover a transaction that overdraws the account. When a debit posts that is more than the funds available in an account, money is transferred from the linked Overdraft Protection account and a Yes-Check Advance fee is assessed to the checking account.

Q: How do I get Yes-Check?
A:

You can apply for Yes-Check by calling 1-888-844-4444 or visiting any First Hawaiian Bank branch.

Q: What does Yes-Check cost?
A:

The annual fee for Yes-Check is $60.00*. There is a $12.50 fee for each transfer that will be posted to your checking account on the same day as the transfer. Only one transfer fee per day will be charged even if you have multiple items covered on that day.

*Overdraft transfer fee for overdrafts that are covered by an advance on the Yes-Check line of credit may be assessed on your checking account. Please see the Schedule of Charges and Other Information for Personal Accounts for more information.

Q: Can I still overdraw my account if I have Yes-Check?
A:

Yes, if the available balances in your checking account and Yes-Check are not enough to cover an item, you may be still be charged a Special Handling fee (OD or NSF).

Q: Can I link to more than one account for Yes-Check?
A:

No, you must apply for a separate Yes-Check line of credit for each checking account.

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