General FAQs


    We have standard overdraft services that come with our checking accounts. We also offer overdraft protection plans, such as a link to a savings account or Yes-Check®, which is a line of credit that you can apply for to help cover overdrafts.

      At the Bank’s discretion, we may authorize and pay overdrafts on certain types of transactions including checks, automatic bill payments, recurring debit card transactions and other types of overdrafts using your checking account number. A fee generally applies whether the overdraft item is paid or returned.

        Your Current Balance is your balance at the start of the day, plus or minus the transactions for that day. Your Available Balance is your Current Balance minus holds on your funds. Holds include deposits with a hold on the amount and debit card holds for pending purchases or payments using your debit card. Please note that for certain types of debit card transactions, some merchants obtain authorizations for a partial amount (such as gas stations) while others may be for a greater amount (such as restaurants) of the purchase. Therefore, the hold amounts may not always equal the transaction amount.

        You can spend up to the amount of your Available Balance after accounting for pending or outstanding transactions without incurring an overdraft or non-sufficient funds transaction.

          The order in which we process transactions can affect the total amount of fees charged when an account is overdrawn. Transactions are processed and posted together at the end of each business day. We post all credits (such as deposits) before debits (payments from the account). For debits, guaranteed items (e.g., wire transfers, cashed checks, ATM withdrawals or everyday debit card transactions) are posted before those that are not (e.g., checks or ACH transactions). Within each group of transactions, we generally process from the lowest to highest dollar amount. In the case of checks or other items with a serial number, we process by check or serial number from low to high.

          Note: Holds may be placed on your account (e.g., for deposits or debit card transactions) that will reduce your Available Balance and may cause your account to become overdrawn.

            Consumers that have a personal checking and a personal Regular Savings or Priority Savings, may link their checking to a savings account for the purpose of automatic overdraft protection. Like Yes-Check®, if an overdraft occurs, it will trigger an automatic transfer from the linked savings to cover the overdraft.  An Overdraft Transfer Fee may apply for each automatic transfer from savings to cover an overdraft.

              Personal Regular Savings accounts and Priority Savings are eligible. YesSavings, Christmas Club and IRA Savings accounts are not eligible. Custodial savings accounts (HUTMA, UGMA, etc.) are also not eligible.

                The sender will need the following information:

                1. Our ABA/routing number – 121301015.

                2. Your 10 digit First Hawaiian Bank account number.

                3. The name of your account.

                4. Our SWIFT BIC – FHBKUS77 (for International wires)

                  Yes. You must have a First Hawaiian Bank checking or savings account to send wire transfers.

                    Wire transfers initiated before the Cutoff Time* will be processed on the same day. Wire transfers initiated after the Cutoff Time are processed on the next business day. Your account will be debited on the date the transfer is initiated.

                    * Cutoff Time for domestic wires is 10:30 AM HST. Cutoff Time for foreign currency wires is 2:30 PM HST.

                      International Bank Account Number (IBAN) is used by European and Middle Eastern countries to facilitate wire transfer payments. Only the Beneficiary Bank can provide the correct IBAN and must be obtained from the beneficiary of the wire.

                        You need the following information to wire funds to a foreign bank:

                        1. Beneficiary Name

                        2. Beneficiary Account Number

                        3. Beneficiary Mailing address with city, state and zip code

                        4. Beneficiary Bank Routing Number

                        5. Dollar amount to be transferred

                        6. Purpose of the wire

                        Please Note: Correct wire instructions should be provided by the beneficiary to avoid delays in crediting an account.

                          You need the following information to wire funds to a domestic bank:

                          1. Beneficiary Name

                          2. Beneficiary Account Number

                          3. Beneficiary Mailing address with city, state and zip code

                          4. Beneficiary Bank Routing Number

                          5. Dollar amount to be transferred

                          6. Purpose of the wire

                          Please Note: Correct wire instructions should be provided by the beneficiary to avoid delays in crediting an account.

                            Yes, we buy and sell all the major foreign currencies and some exotics. When purchasing currency, please allow about two business days for currency to be delivered to the branch, if the currency is available.

                              In most cases, foreign currency transfers settle on the value date. The market convention is two business days from the date you send the wire.

                                • Save money.
                                  Sending wires in the foreign currency could save you money. This is because many vendors will build a spread in the price to protect them from foreign currency rate fluctuations. If you have the option of getting billed in USD or in foreign currency, you may be able to save money by paying in the foreign currency.
                                • Possible competitive advantage.
                                  You may be able to negotiate a better price with your foreign counterpart if you allow them to avoid the risks of currency rate fluctuations and the cost of foreign exchange.
                                • Save time.
                                  Wires sent in foreign currency are usually subject to less delay than US denominated wires sent through intermediary banks. When you send a wire in foreign currency directly to the beneficiary, the recipient will usually receive immediate credit.
                                • Reduce risk.
                                  On the day you purchase the wire, you lock in the exchange rate. This means you know the exact cost in USD.

                                  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.

                                    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.

                                      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 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.

                                        The FDIC provides separate insurance coverage for funds depositors may have in different categories of legal ownership or "ownership categories." The standard deposit insurance amount is $250,000 per depositor for each account ownership category. A customer who has multiple accounts may qualify for more than $250,000 in insurance coverage if the customer's funds are deposited in different ownership categories and the requirements for each category are met.

                                        To learn more, contact the FDIC toll-free at 877-ASKFDIC (877-275-3342) or visit

                                          FDIC insurance covers all types of deposits received at an insured bank, including deposits in a checking account, savings account, money market deposit account or time deposit, such as a certificate of deposit.

                                          The FDIC does not insure money invested in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if these investments are purchased at an insured bank.

                                          The FDIC does not insure safe deposit boxes or their contents.The FDIC does not insure U.S. Treasury bills, bonds, or notes, but these investments are backed by the full faith and credit of the United States government.

                                            The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government. The FDIC protects depositors of insured banks located in the United States against the loss of their deposits if an insured bank fails.

                                            Any person or entity can have FDIC insurance coverage in an insured bank. A person does not have to be a U.S. citizen or resident to have his or her deposits insured by the FDIC.

                                            FDIC insurance is backed by the full faith and credit of the United States government.

                                              A Network ATM fee occurs whenever you access an ATM outside First Hawaiian Bank's network for withdrawals, transfers, or balance inquiries. In some instances, you may be charged a fee by the ATM operator or network as well.

                                                For ACH transactions, please use the routing number for electronic transactions.

                                                The Automated Clearing House (ACH) is an electronic payment delivery system which allows you to make payments or collect funds electronically through the ACH network. We can help you take advantage of the speed and efficiency of electronic payments and collections available through the ACH network, giving you better control over the timing of payments that post to your bank account. ACH transactions are usually next-day entries when exchanged with other financial institutions. ACH functions include direct deposits and check conversions from paper to electronic.

                                                  We do offer Official Bank Checks, which are like cashier’s checks, and are considered guaranteed by the full faith and credit of First Hawaiian Bank. To find the exact fee for your account, please call us at 1-888-844-4444 or visit your nearest local branch. We do not offer money orders.

                                                    To change your legal name, please bring a government-issued photo ID along with the documentation (described in the table on this page) to any First Hawaiian Bank Branch. A customer service representative will give you supporting forms to complete and will help you get a new debit card and/or credit card. For a new debit card, fees may apply; please see your schedule of fees for more details.

                                                    If you have a name change due to:

                                                    Please bring your government-issued photo ID and the following documentation:

                                                    Legal name misspelling on your account

                                                    Birth certificate


                                                    Marriage certificate


                                                    Divorce decree

                                                    Legal court order

                                                    Legal court order


                                                    Adoption certificate


                                                    If you do not live near a branch, please contact customer service at 1-888-844-4444 for instructions on how to change your name or legal title.

                                                      We are sorry to hear that you want to close your account. We are constantly looking for ways to make banking work for you in ways it never has before and would like to know how we can make this happen for you. Please call us at 1-888-844-4444 if we can assist you in any way.

                                                      To close your account, please submit your request in writing to your branch of account. Be sure to have the following information included within the request:

                                                      • Account number
                                                      • Name(s) on the account
                                                      • Current address and telephone number
                                                      • A statement of how you intend to close out the balance
                                                      • Signature of all account holders

                                                      You may request that First Hawaiian Bank send a check, money order, or wire to close out the balance of the account for additional fees.

                                                        First Hawaiian Bank's Customer Service is available seven days a week from 7am to 7pm HST. You can make inquiries about your accounts by calling the number on your statement, debit/credit card, or calling the numbers listed below:

                                                        Banking Customer Service

                                                        Credit Card Customer Service

                                                        Oahu: 844-4444 Oahu: 847-4444
                                                        Toll Free: 1-888-844-4444 Toll Free: 1-800-342-2778
                                                        TTY: 848-5491  
                                                        TTY Toll Free: 800-228-6181  


                                                          If you have FHB Online Banking, please log in to FHB Online and click on the "Messages" link to send a Secured Message and provide the below information to request a change of address. If you do not have FHB Online, please complete the Change of Address Form and bring or mail to any First Hawaiian Bank Branch.  If you have difficulty downloading the form you may send us a written request. 

                                                          The following information must be included:

                                                          • Account number(s)
                                                          • Name(s) on the account
                                                          • New address and daytime phone number
                                                          • Accountholder’s signature

                                                            Using FHB Online[[®]], you can access your First Hawaiian Bank checking, savings, CD, credit card, mortgage and line of credit account information. You can also transfer funds and receive and pay bills online.


                                                              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."

                                                                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.

                                                                  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.

                                                                    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.

                                                                    Have more questions?

                                                                    Or call customer service at (808) 844-4444.