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Priority Banking

A checking account that checks all your boxes.

Enjoy a $350 statement credit when you open a new Personal Priority BankingSM checking account by April 30, 2026, and make a new direct deposit(s) of $500 within 60 days.[[#1]],[[#2]]

 

Key Benefits[[#3]]

Priority Banking Gold

Perks that grow with you - and your lifestyle. 

Say goodbye to the monthly service charge. Enjoy the perks of Priority Banking without worrying about the monthly service charge. Simply set up direct deposit of $2,000 or more per statement cycle into your Priority Banking Gold Checking Account, maintain a combined balance[[#4]] of $6,000, or be enrolled in the Private Banking Program, and the $15 monthly service charge is waived.

  • FHB ATM Withdrawal Fee Rebate[[#5]] 
  • ATM Surcharge Fees Rebate up to $4 per statement cycle[[#7]]
  • One Overdraft or Non-Sufficient Funds Return Item Fee Rebate annually[[#8]]
  • Free checks (selected wallet designs)[[#9]]
  • MaxiMizer[[SM]] monthly service charge fee waiver[[#10]]
  • Promo CD rates
  • Safe deposit box annual rental fee $15 discount[[#12]]
  • $250 off the loan administration fee[[#14]] 
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Priority Banking Platinum

Our highest level of benefits and services, built for you.

Say goodbye to the monthly service charge. Enjoy the perks of Priority Banking without worrying about the monthly service charge. Simply set up direct deposit of $4,000 or more per statement cycle into your Priority Banking Platinum Checking Account, maintain a combined balance[[#4]] of $35,000, or be enrolled in the Private Banking Program, and the $22 monthly service charge is waived.

  • FHB ATM Withdrawal Fees Waived[[#6]]
  • ATM Surcharge Fees Rebate up to $8 per statement cycle[[#7]]
  • Two Overdraft or Non-Sufficient Funds Return Item Fee Rebates annually[[#8]]
  • Free checks (selected wallet designs)[[#9]]
  • MaxiMizerSM monthly service charge fee waiver[[#10]]
  • Preferred promo rates on CDs[[#11]]
  • Safe deposit box annual rental fee $25 discount[[#12]]
  • Waived incoming wire transfer fee[[#13]]
  • $350 off loan administration fee[[#15]]
  • Annual fee waived on Personal Line of Credit or Home Equity Line of Credit (HELOC)[[#16]]
Open Account

Other personal checking account offers available, Learn More.
 

Questions?

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    Disclosures

    1. The minimum opening deposit is $20. The Personal Priority Banking checking account ("Checking Account") must be opened from 1/1/26 through 4/30/26, to qualify for the offer. Account Closing Fee of $75 will apply if Checking Account is closed or converted to a corresponding checking account (not a Personal Priority Banking Checking Account) within 180 days of opening. Account with a zero balance for 30 consecutive days will be closed automatically. For other fees that may be assessed, refer to the Important Terms and Conditions and Schedule of Charges provided during the account opening process.
    2. The newly established direct deposit(s) must post to your new Checking Account within 60 days from account opening. A new direct deposit is a direct deposit amount that has not been previously established with the bank. A direct deposit is defined as certain recurring electronic deposits through the Automated Clearing House (“ACH”) Network such as payroll, pension, or social security benefits. Peer to Peer transfers (i.e. Venmo or PayPal), tax refunds, wire transfers, etc. are examples of non-qualifying direct deposits. First Hawaiian Bank has the sole discretion to determine a qualifying direct deposit for this promotion. A one-time statement credit will be completed the month following meeting the criteria and may be reported as taxable income. Checking Account must be open and not overdrawn to receive the statement credit. The offer is limited to one per customer and account.
    3. Priority Banking benefits cannot be combined with another promotional offer, program, or discount unless stated otherwise.
    4. Combined balance is calculated by adding your Priority Banking Checking Account balance and qualifying balances from all eligible  Associated Accounts. Associated Account is an account that you own in your individual capacity or as trustee of a revocable living trust. 
    5. When you make a cash withdrawal at a non-FHB ATM, you may be charged a fee by us. Receive one fee rebate per statement cycle for cash withdrawal(s) at a domestic or international network ATM. The rebate will be issued as a statement credit to your open Priority Banking Gold Checking Account in the same statement cycle that the fee was assessed. 
    6. The fee waiver does not apply to the International Transaction Fee or ATM Balance Inquiry Fee. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (“Surcharge Fee”). These surcharges cannot be waived by FHB.
    7. When you use a non-FHB ATM to make a withdrawal, you may be charged a fee by the ATM operator or any network used (“Surcharge Fee”). The rebate will be issued as a statement credit to your open Priority Banking Gold/Platinum Checking Account in the same statement cycle that the fees were assessed. 
    8. Rebate will be issued as a statement credit to your open Priority Banking Gold/Platinum Checking Account by the end of January of the following year. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts that have not been paid. If we do not authorize and pay an overdraft, your transaction will be declined for point-of-sale transactions or returned unpaid for transactions posting to your account. If we do authorize and pay an overdraft, overdraft fees will apply and you must repay the overdraft promptly along with any applicable fees. A Non-Sufficient Funds (“NSF”) Return Item Fee of $30 applies per each item returned (applies to checks and certain electronic funds transfers, such as ACH). An Overdraft Fee of $30 applies per each item paid (applies to everyday debit card transactions if enrolled in DebitPlusSM, checks, certain electronic funds transfers, such as ACH, and recurring debit card transactions).
    9. You must be a Priority Banking Checking Account customer at the time of order.
    10. Applies to one MaxiMizer Account that is an Associated Account. Associated Account is an account that you own in your individual capacity or as trustee of your own revocable living trust. 
    11. You must be a Priority Banking Platinum Checking Account customer at the time of account opening or at the time of each renewal. A new CD must qualify as an Associated Account. For existing CD customers, the preferred rate will apply upon the next renewal for any CD that is an Associated Account. Any new or existing CD must not have a balance greater than $250,000 and must not have a term less than 30 days. Associated Account is an account that you own in your individual capacity or as trustee of your own revocable living trust. 
    12. You must be a Personal Priority Banking ("PB") Checking Account customer at time of rental or at the time of each annual renewal. The annual rent must be prepaid and automatically deducted from an FHB account. Subject to box availability. Limit of one safe deposit box ("SDB") per PB Checking Account. You must be an owner of the SDB. SDB contents are not insured by FHB, FDIC, or any other government agency. For existing SDB customers, discount will not be prorated and will apply upon the next billing.
    13. The fee is waived for all incoming wire transfers deposited into your Priority Banking Platinum Checking Account.
    14. Subject to credit approval and loan funding. The discount applies to new Residential First Mortgage loan applications (including refinances). Applications submitted through a third-party mortgage loan origination company are not eligible. To receive this discount, you must be enrolled as a Priority Banking Gold Checking Account customer as of the date of your initial loan application, which is the date when we have received all of the following information: (1) each applicant's name; (2) each applicant's income; (3) each applicant's social security number (if applicable); (4) the subject property address; (5) an estimate of the value of the subject property and (6) the loan amount requested. The new Residential First Mortgage loan must qualify as an Associated Account. The discount cannot be combined with another promotional offer, program, or discount unless stated otherwise.
    15. Subject to credit approval and loan funding. The discount applies to new Residential First Mortgage loan applications (including refinances). Applications submitted through a third-party mortgage loan origination company are not eligible. To receive this discount, you must be enrolled as a Priority Banking Platinum Checking Account customer as of the date of your initial loan application, which is the date when we have received all of the following information: (1) each applicant's name; (2) each applicant's income; (3) each applicant's social security number (if applicable); (4) the subject property address; (5) an estimate of the value of the subject property and (6) the loan amount requested. The new Residential First Mortgage loan must qualify as an Associated Account. The discount cannot be combined with another promotional offer, program, or discount unless stated otherwise.
    16. Subject to credit approval. The line of credit or HELOC must qualify as an Associated Account. The annual fee waiver may not be combined with another promotional offer, program, or discount unless stated otherwise. Valid only if you and we agree to these terms in writing as part of your line of credit agreement(s), and will continue as long as you maintain your Priority Banking Platinum Checking Account and eligible line of credit account in good standing with us. HELOCs are not available in the CNMI. See your line of credit agreement(s) for further details on applicable rates and fees.