General FAQs


    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.

              First Hawaiian Bank’s international SWIFT code is: FHBKUS77

                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  


                        Please visit the link below to see when First Hawaiian Bank's offices and banking centers will be closed in observance of holidays: 

                        Holiday Schedule

                          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.

                            Have more questions?

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