| First Hawaiian Bank

Business Services

Payroll

Let us show you how our payroll services can increase productivity and reduce overhead costs to allow you to focus more on your business. First Hawaiian Bank has partnered with Ceridian Employer Services and ADP to offer payroll solutions to help you prepare taxes, handle direct deposits, and more.

Please tell us a little about your business and our Our payroll vendor will contact you shortly. We look forward to learning about your needs and how we can help.

* Indicates a required field.

Contact Form - Japanese

PPP Loan Forgiveness Form

SBA Form 3508S

FHB Online Business Enrollment Form

Thank you for your interest in enrolling for FHB Online Business

Business Information

Business Name

Business Address 1

(where your account statement is mailed)

Business Address 2

City

State

Zip

Email Address

Tax ID Number

Business Phone

Business Fax

FHB Business Checking Account Number (if applicable)

(FHB Online Business service fees will be charged to this account)

Please select the service you would like to enroll for:

FHB Online Business Basic (free[[2]])

FHB Online Business Banking ($5.99/month[[3]])

Enable Small Business Entitlements[[1]]

FEATURES	Business Basic	Business Banking
View Accounts & Transactions	X	X
eStatements	X	X
Internal Transfers	X	X
External Transfers	X	X
MoneyMap Finance Manager	X	X
Online Bill Pay		X
Popmoney Person-to-Person Payments		X
Small Business Entitlements[[1]]		X
FHB Mobile Banking & Mobile Deposit	X	X
Monthly Fees	FREE²	$5.99³ (Free for Priority Banking)

[[1]] Entitlements - This service allows you to create sub-users and grant restricted FHB Online access to each account at the level of your choosing (No Access, View Access or Full Access) and is included at no additional charge (up to 2 sub-users). This feature must be enabled on your FHB Online Business account prior to setting up sub-user access. Visit fhb.com/entitlements to learn what features sub-users are able to access. (To enable Entitlements in the future, you can submit a request via FHB Online Secure Message.)

[[2]] FHB Online Business Basic: Free for business customers. If you choose to enroll for Online Bill Pay, Popmoney or Entitlements in the future, you will automatically be upgraded to FHB Online Business Banking. Direct Connect access via Quicken or Quickbooks: $14.95/month that the service is used (Priority Banking waivers not applicable).

[[3]] FHB Online Business Banking: Free for Business Priority Banking 1, 2, & 3 and $5.99/month for all other business checking customers. If you have chosen to enable Entitlements, your FHB Online account includes up to 2 sub-users without charge. If you wish to add more sub-users, you will be charged $1 per sub-user per month. Direct Connect access via Quicken or Quickbooks: $14.95/month that the service is used (Fee is inclusive of FHB Online Business Banking service fee. Priority Banking waivers not applicable.)

REQUESTED USERNAME:
Your Username is used each time you log in to FHB Online & Mobile Banking and must be unique for each customer. Please provide three preferred usernames below. If we are unable to use any of your username choices, we will provide one for you. Your Username must be between 6 and 20 characters, starting with a letter and comprised of only letters and numbers. No spaces, special characters, or punctuation allowed.

First Choice

Second Choice

Third Choice

PPP Loan Forgiveness Form

Request to Apply for Forgiveness of PPP Loan

Please complete the form below to let us know that you are ready to apply for forgiveness of your Paycheck Protection Program (PPP) loan.

Tip: Your SBA Loan Number and the Loan Amount may be found at the top of the first page of the Promissory Note for your PPP loan.

Important:

Only use this form if your PPP loan is more than $150,000
If your PPP loan is $150,000 or less, click here for information about your forgiveness process.

* Indicates a required field.

Careers FAQs

General

Who should I contact if I have any questions about my application?

For any questions regarding your application, please email us at careers@fhb.com.

How am I notified if I am being considered for a position?

If you are being considered for a position, a member of our recruiting team will contact you directly. We review applications based on job-related qualifications and will reach out if your experience aligns with the role.

If I've submitted several applications and resumes what does a recruiter find when a search is conducted?

Recruiters may see all versions of your applications, profiles, and resumes when searching the database however only the best match is returned in search results.

If I submit my application and a job matching my skills opens up later, can I expect to hear from First Hawaiian Bank?

FHB Recruiters search the job seeker database on a regular basis. However, it's best to apply for the jobs that interest you.

I would like to apply for a job at FHB, but will need certain accommodations in the application process due to a disability. How should I proceed with submitting an application?

To facilitate the application process for job applicants with disabilities, FHB has established a dedicated email address for accommodation requests. These requests may be submitted in email to accessiblecareers@fhb.com. In your message, make sure to include your full name, the position(s) in which you are interested, and the best time and method for reaching you. Please do not include any medical or other private information in your message - our HR team will contact you within two business days.

How do I apply for more than one job using a single application?

1) log in to the system using the email address and password you provided; 2) select the position you wish to apply for; 3) click on the Add to My Jobs button; 4) review the application for completeness and accuracy; and 5) eSign, date and click the Submit button.

Can I submit an application for more than one position at the same time?

Yes. You can submit an application for any position(s) for which you believe you are qualified. Please submit an application for each position.

How can I provide a resume?

You may attach your resume during the application process.

Have more questions?

Find a Branch

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

Investing & Insurance FAQs

General

What is Estate Planning?

Estate Planning is the process of preparing a strategy for transferring your assets at death. This includes your home, personal possessions, bank accounts, stocks, bonds, business, and other financial interests.

How do I start Estate Planning?

Estate Planning can be a very complex job, and is not something to be taken lightly. First Hawaiian Bank can work with you and your attorney to help you plan your legacy.

For more information, call us at 525-7134 or toll-free at 1-888-287-0398. You can also visit any conveniently located First Hawaiian Bank branch and ask for a Wealth Advisor.

I've got a will, is that good enough?

Having a will is good, but it's just the beginning of Estate Planning. You must, first and foremost, consider your goals as they pertain to your family and estate. For some people, you must also include smart tax planning, because estate taxes can significantly diminish the wealth you want to leave to your family. Keeping estate taxes as low as possible means more wealth to your family.

What is a Trust?

A legal arrangement in which an individual (the Trustor) gives fiduciary control of property to a person or institution (the trustee) for the benefit of beneficiaries.

What is a Trustee?

A trustee is an individual or organization which holds or manages and invests assets for the benefit of another. The trustee is legally obliged to make all trust-related decisions with the beneficiary’s interests in mind. Trustees may be entitled to a payment for their services

What is a Fiduciary?

A fiduciary is an individual, corporation or agent holding assets for another party, often with the legal authority and duty to make decisions regarding financial matters on behalf of the other party.

What is retirement planning?

As you near the age of retirement, you may begin to wonder if you will have enough money to retire comfortably and will have the means to maintain your standard of living. The best way to assure this is to prepare ahead with a solid Financial Plan.

There are three common sources of retirement income that most people count on: Social Security, a company pension plan, and personal savings.

Why should I choose First Hawaiian Bank for my investment needs?

Whether you intend to invest for long-term financial independence, retirement, your children’s college education or to build a nest egg for unexpected emergencies, our experienced professionals can assist you in developing investment strategies that help you work toward your personal and financial goals.

Our team of investment professionals, insurance specialists, private bankers, trust officers and wealth advisors combine their extensive knowledge and resources to create a portfolio that reflects your specific objectives, risk tolerance and time horizon. It’s a process that includes thoughtful and objective manager selection, rigorous oversight and regular review and evaluation of results with our clients.

First Hawaiian Bank offers strategies to help you make investment decisions in:

Investments
Insurance
Business Planning
Education Planning
Retirement plans for:
- Individuals
- Self-employed individuals
- Businesses
Estate Planning

General Insurance Services Questions

Why should I choose First Hawaiian Bank for my insurance needs?

Our experienced professionals offer personal assistance to help you select the types of insurance that are best suited for your personal, business and estate planning needs at the most competitive price.

Benefits of working with First Hawaiian Bank:

Caring and experienced local professionals who are easily accessible
Comprehensive and Confidential insurance review
Competitive Rates (Quotes from multiple vendors)
Companies you can trust (Top rated & Pre-screened)

What types of insurance services does First Hawaiian Bank provide?

First Hawaiian Bank's many insurance programs are designed to provide you with a solid financial future and peace of mind by giving you the protection you need in the event of death, disability, or a condition that requires long-term care. For the individual, insurance augments a comprehensive financial plan. For businesses, insurance enhances employee compensation programs and protects the business in the event of a principal’s untimely passing.

For Individuals:	For Businesses:
Life Insurance Term Insurance Universal Insurance Whole Life Insurance Survivorship (or Second to Die Insurance) Disability Income Insurance Long Term Care Insurance Mortgage Life Insurance	Protect Your Key Person Exit Strategy Business Continuation Strategy Executive Compensation Employee Benefits Plan Deferred Compensation Group Insurance

Disability Insurance

Where do I begin?

It's best to start with your monthly and yearly family budget. See how much income you currently need to provide you and your family with the type of lifestyle you've chosen.

Next, determine how much coverage you already have as a result of your employment or through a government program. You can ask your employer for details. You may also want to include any savings you have that can be used in such emergencies.

If these benefits approach the amount of income you require to maintain your current standard of living, then you probably have enough coverage. However, if the total amount of benefits plus your own personal resources fail to meet your income needs, you should consider additional disability insurance.

Disability insurance is especially important if you are self-employed or are a small business owner, since many business owners are crucial to their company's day-to-day success.

What should I look for in a policy?

There are a number of factors that make up insurance policies. You need to know what these areas are and what kind of coverage is necessary for you and your family.

Definition of disability - Select a policy that pays benefits for injury or sickness when you can't work in your chosen occupation. Residual disability is a partial disability that occurs when one is unable to perform some of their job duties. It pays for a percentage of lost earnings.
Extent of coverage - Are benefits available for total or partial disability? Does the policy cover accident and illness? What about loss or sight, hearing, speech, etc.,?
Benefit size - What percentage of your income is replaced?
Waiting period - How long will it take for your benefits to begin?
Duration of benefits - Are benefits paid for one, two or five years, to age 65, or a lifetime?Inflation rider - Does the policy offer cost-of-living adjustments?
Renewability - Is the policy non-cancelable, guaranteed renewable, or conditionally renewable?Waiver of premiums - How long must you be disabled before premiums are waived?
Option to purchase more coverage - Can you increase your coverage without further evidence of insurability?

Are there other sources of disability income?

Sources of disability income stem from three main areas:

Employer-paid and/or employer-sponsored programs - The simplest form of disability income is provided by sick leave, which can last from a few days to as long as six months, depending on your employer. Some larger employers also provide long-term disability benefits, which typically begin after a 90-day waiting period and usually replace about 60% of your salary. Such benefits often continue for five years, or to the age of 65.

Group disability insurance can be fully paid by your employer or may require an employee contribution. In either case, you should find out as much as you can about the group disability insurance provided by your employer. Ask for information and particularly ask the following questions.
- How long must I wait before benefits begin?
- How long will payments continue during my disability?
- Will other coverage, such as government programs, affect my disability payments?
Government-sponsored programs - Two well known government programs that provide disability income are Workers Compensation and Social Security. Workers Compensation pays disability benefits if you have an accident at work or you get an illness that results directly from your employment. Social Security benefits can last up to 12 months but are dependent upon many other factors such as marital and family status, salary, and whether you're eligible for other government programs.

You may also be eligible for disability benefits if you are a State or Federal government worker, a veteran, or are participating in a State vocational rehabilitation program. People with low income and limited assets may also be covered under Supplemental Security Income or Medicaid.
Individual Policies - Despite the number of disability income sources, many people don't have insurance or are largely underinsured. If your income were to stop if your ability to work stopped, then having adequate disability insurance is essential to you and your family.

An individual policy can be tailored to fit your specific income needs and will provide crucial income if you are unable to work.

What is Disability Insurance?

Disability Insurance is designed to replace wages lost due to sickness or injury, and is the best way to protect against financial catastrophe. Proper health insurance should cover the majority of your medical costs, but it won't replace lost income.

Mortgage Life Insurance

Is the premium convenient to pay?

As long as you're a homeowner under age 65, you're eligible to apply. Once your coverage is approved, your premium will be automatically billed and collected with your monthly mortgage payment, so there's no extra bill to bother with each month.

There's absolutely no risk in applying for the mortgage life insurance plan. You may cancel your coverage at any time. Once you've been approved for coverage, a policy or certificate of insurance will be sent to you with the coverage details. You'll have 30 days to look it over. If you decide this coverage isn't for you, simply return the policy or certificate to us and your coverage will be canceled. If any premiums were paid in that time, they will be promptly returned.

Can my spouse or co-borrower be covered also?

Many households rely on two incomes to make ends meet. Mortgage life insurance provides a way to insure against the loss of a working spouse or co-borrower at a premium that is half the cost of the premium rate of the oldest of the co-borrowers.

What does it cover?

Mortgage Life pays a benefit for any cause of death, with the exception of suicide committed during the first two years of coverage.

How does it differ from regular life insurance?

This plan offers you an affordable way to make sure the benefits will be used to pay off your mortgage. Mortgage life insurance takes care of your outstanding mortgage loan so that your other insurance policies, if available, can be used to cover expenses like monthly bills, a college education or retirement.

What is Mortgage Life Insurance?

Mortgage Life Insurance ensures that your loved ones will continue to have a place called home in the event that you’re no longer there to care for them. The Mortgage Life Insurance plan is designed to pay off the outstanding mortgage balance on your home if you die during the term of the loan.

Long-Term Care Insurance

What are the benefits of Long-Term Care Insurance?

With long-term care insurance, you can rest easy. Your policy can't be canceled (except for nonpayment of premiums), and your premium cost can remain level throughout the years. But most importantly:

You may not need to deplete your life savings to obtain care for yourself.
You may be able to maintain your independence.
You may be able to take care of yourself without relying on government welfare programs.
Your family and loved ones may not have to sacrifice their assets and savings to care for you.
You will be able to preserve your assets and pass them on to your heirs.
You may be able to choose the location for your care.

What kind of policy can I get?

There are many different kinds of policies available. And costs can vary among policies, and among insurance companies offering the same type of coverage. For the best peace of mind, look for these features in a long-term care policy:

Can the premium costs remain the same from year to year, regardless of your age?
Do you have inflation protection as the cost of care rises?
Will the conditions to qualify for your insurance benefits be fair and reasonable? For example:
- Will your qualification for benefits be based on your disability (your inability to care for yourself), rather than on your specific disease or physical condition?
- Will the insurance company forgive (waive) your premium payments while you are disabled and drawing benefits?
- Can you and your spouse share in the benefits you each are guaranteed, in case one of you needs more (and longer) care?

Can I customize my Long-Term Care Insurance Plan?

Long-term care insurance is not a one-size-fits-all arrangement. You can decide which coverage you need - and where you'll need it - based on your family situation. You can structure a plan that covers any or all of these types of care: Nursing Home and Assisted Living, Home Care, Professional Home and Community Care, or Total Home Care.What's more, your coverage doesn't have to be all-or-nothing. Your benefits can kick in when you require substantial assistance with as little as two out of the six activities of daily living (ADLs).

What is Long-Term Care Insurance?

Long term care insurance can provide the assistance you might need in the event of a prolonged illness or disability, while relieving your family from financial and emotional burdens.

In a nutshell, it is a protection plan that pays you a set amount when you can no longer live independently. It can help pay your nursing home costs, your assisted living costs - even your costs when you are disabled and confined to your home. Whenever you can't perform some of the essential activities of daily living (ADLs) - eating, bathing, getting out of bed, going to the bathroom, walking, dressing yourself, etc. - your long-term care insurance will cover the cost of caring for you.

It pays no matter what your age: a 30-year old with a permanent spinal injury, or an 85-year old unable to perform simple daily functions such as eating or dressing.

Long-term care insurance gives you peace of mind. And it protects your investments and your estate you've worked so hard to accumulate.

As people live longer, long-term care insurance is more important than ever. Under federal law enacted in 1996, premiums may be tax deductible and benefits tax free if you own a tax qualified long term care policy.

There are many types of long-term care policies available with a variety of options and features. We survey the market to offer our customers only the best products from the highest rated companies in the industry. If for some reason the plans we offer don’t quite suit your needs, we’ll shop outside for the best plan for you. That’s First Hawaiian Bank’s commitment to you as our valued customer.

Life Insurance

How much life insurance should I get?

The amount of life insurance will vary depending on your personal and family situation. In general, life insurance needs are created whenever you have a change in life events such as marriage, starting a family or business, or retirement. To determine how much life insurance you need, use this simple test to help you develop a solid foundation for your financial plan.

Why should I get a life insurance policy?

Financial experts agree that the foundation of any good financial plan includes life insurance. A well-designed life insurance program can improve and enhance your retirement, estate planning and family protection plans.

The amount, type of insurance and the duration of your life insurance policy will depend on your family situation, your financial goals and your health.

An individual life insurance policy is normally purchased to accomplish the following goals:

Support family members in the event a wage earner dies prematurely
Compensate for the loss of a spouse who is also the children's primary care provider
Financially support parents, family members or children with special needs
Repay any mortgage, personal or business debts
Pay for final expenses such as medical, burial, legal or probate costs at death
Pay for educational or retirement needs
Fund an inheritance or charitable bequest
Pay for Federal Estate Taxes which may be due upon death

Have more questions?

Find a Branch

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

Lending FAQs

General Questions

How can I make a loan payment or request a payoff quote?

There are several options to make a payment to your loan:

Enroll for FHB Online & Mobile Banking and use Make an FHB Payment option from a First Hawaiian Bank account, or use External Transfers to make a payment from an external bank account.
Mail in your payment to:
First Hawaiian Bank
P.O. Box 29450
Honolulu, Hi 96820-1850
Visit any First Hawaiian Bank branch to make your payment
Wire transfer funds to make your payment

Please contact us at [[(808) 943-4525 | tel:808-943-4525]] to request a payoff quote.

How is a personal loan different from Personal FirstLine?

A personal loan is an installment loan product with a fixed term. When your application is approved, the full loan amount you are approved for is disbursed to you at once, and you begin accruing interest on the outstanding amount immediately from that day. Because FHB's personal loans all offer fixed rates over the life of the loan, your monthly payments are the same throughout the loan term.

In contrast, a Personal FirstLine (PFL) is a revolving line that can be drawn on at any time up to your available credit limit. You can draw on your PFL by making a transfer within FHB Online, writing a check, or by requesting a withdrawal in person at an FHB branch. As you repay the outstanding principal (the amount you have drawn from your line), your available credit will increase by the amount you have repaid. Consequently, your monthly payment will vary if your outstanding balance and/or the rate changes.

How can I apply for a personal loan?

You may apply online or by visiting any FHB branch.

You will need documents and information to apply:

Social Security Number
Income verification documents (only for loan amounts over $5,000):
- All pay stubs from most recent calendar month, OR
- W-2 or 1099 Forms from the past 2 years, OR
- Last 2 federal personal income tax returns with all schedules signed

After submitting your application, FHB may follow up to verify your information

Home Equity Line of Credit

What is a Home Equity Line of Credit?

It is a line of credit secured by your home or other improved property you own. Depending on the equity in the property, and other factors, your credit line can range from $20,000 to $1,500,000.

A Home Equity Line of Credit has a Draw Period and a Repayment Period. During the draw period you can draw on your line of credit by writing a check or advancing the funds through FHB Online. Besides an annual fee, there are no monthly payments until you draw on your line and you can even make interest-only payments during the Draw Period. As you pay down the balance on your line of credit, it becomes available to use again.

During the Repayment Period, you can no longer draw on your line of credit and must repay any outstanding balances. Outstanding balances can be converted to fully-amortized, fixed-rate locks during both the Draw Period and Repayment Period.

There is a $100 annual fee assessed one year after the Draw Period begins and $100 each year thereafter. The annual fee is waived if you have a Priority Banking Platinum Checking Account. The annual fee will not be charged during the Repayment Period.

Can I get a Home Equity Line of Credit on any type of property?

First Hawaiian Bank offers a home equity line of credit on many types of property, including:

Fee simple or leasehold properties
Owner-occupied homes (primary residence)
Non-owner-occupied (rental or investment) homes
Second/vacation homes
Single family residences
Leaseholds (owner-occupied only)
Duplex, triplex, fourplex

You must have property insurance on the property you use for collateral. Only available for properties located in Hawaii and Guam.

How can I access my Home Equity Line of Credit?

Once you’ve opened your Home Equity Line of Credit, you’ll receive checks that look and work much like any regular personal checks. To draw on your line of credit, just write a check for the amount you need. You can also draw on your line using FHB Online. Even if you don’t need the funds now, it’s nice to know your Home Equity Line of Credit will be there when you need it.

What can I use my Home Equity Line of Credit for?

Use it for home improvements, tuition payments, bill consolidation, buy a new car, or go on vacation. It's easy and convenient to pay for almost anything.

Mortgage Account Information

Where will my lien release be mailed to?

The lien release will be sent to the mailing address on the loan at time of payoff. If you need to change this information, you may send us a Secured Message through FHB Online using the subject, "Mortgage".

How can I find out about refinancing my mortgage?

Find out about rates and more online at FHB.com or by calling Home by Phone at 808-643-4663.

What happens if I'm unable to make my mortgage payment?

Please contact us at 808-844-4178 or toll-free at 1-800-362-7606, Monday through Friday 7:30am -4:30pm HST if you are unable to make your mortgage payment.

Who do I call if I have questions about my existing mortgage loan?

For questions regarding existing mortgage accounts, please call Mortgage Service Center at 808-844-4178 or toll-free at 1-800-362-7606, Monday through Friday 7:30am - 4:30pm HST.

How can I apply for a new mortgage?

We’re here to help make the process of applying for a mortgage as simple for you as possible.

Contact our customer service line for new or current mortgage customers. We’ll put you in contact with a mortgage specialist who will be able to help make your dreams come true.
Apply online using our Digital Home Loans Portal
Apply in person at the branch most convenient for you

How do I know which mortgage is right for me?

Choosing the right mortgage depends on your budget and situation. You would also have to understand the various features of your options. For a free analysis and recommendation of the best mortgage loan program for you, please call us at 808-643-HOME (4663) or take a look at our Mortgage Selector Tool. We also have mortgage calculators that can help you determine what is right for you.

How is a mortgage loan originator different from a mortgage broker?

The difference between a mortgage loan originator and a mortgage broker is that our mortgage loan originators are in-house and provide you with customized one-on-one service. A mortgage broker does not work for a particular bank and actually shops a list of several banks and alternative lenders to find a mortgage for his or her clients. They are not always able to provide you with other financial products. At First Hawaiian Bank, our mortgage loan originators provide information about our home financing options and will help guide you through the entire purchase process. Our mortgage specialists can also give you access to other banking experts who can help meet your other financial needs.

How can I request a copy of my lien release?

Your county will record the lien release (a document stating your mortgage is paid in full) after we notify and send them all applicable documents. Once we have received the recorded lien release, it’s sent to the mailing address on file. Please contact your county record’s office for a copy of the lien release.

The payoff was over paid. When should I expect my overage check?

If there is an overpayment, your refund check will be sent approximately 10 business days after the final payment is received.

How do I receive a payoff quote for my mortgage?

Please call 808-844-4178 or toll-free 1-800-362-7606 to request a payoff quote. Please have your complete loan number and the date you expect us to receive your final payment when you call.

What is a mortgage payoff statement and is there a fee?

A payoff statement itemizes the amount required to fully satisfy all obligations secured by the loan that is the subject of the payoff request. This written statement is prepared in response to a request by a client or an authorized 3rd party. There is no charge to have a payoff statement mailed to you or an authorized third party.

Mortgage Payments

Can I schedule multiple/advance payments?

Yes, multiple advance payments can be scheduled. However, when making advance payments, you must specify whether those additional payments should be applied to future monthly payments or to the principal.

Why can't I make a payment on my account?

There are certain situations where this option is not available. For further information, please call Mortgage Loan Servicing at 808-844-4178 or toll free at 1-800-362-7606, Monday through Friday 7:30am -4:30pm HST for details.

What happens if my payment is returned due to insufficient funds?

We will notify you by mail that your request was not processed and a $20 fee for insufficient funds will be assessed to your loan.

Will I be able to make a mortgage payment with a credit card?

A payment to your mortgage loan via a credit card or credit card "convenience checks" is not allowed at this time. Please contact us at 808-844-4178 or toll-free at 1-800-362-7606, Monday through Friday 7:30am -4:30pm HST if you wish to discuss other payment options.

What accounts can I use to make a payment?

You may use any checking or savings account with U.S. funds to which you are an account holder and have the authority to use.

Will I be able to make extra principal payments?

As long as your current month's mortgage payment has been posted to your loan and you have no outstanding fees, you will be able to make additional principal only payments. The most convenient option is to make your payment via the FHB Online & Mobile Banking option to Make an FHB Payment.

Payments will be applied the following business day. The date you submit the transfer will be your payment date as long as the transfer is completed prior to the transfer cutoff time. Any transfers processed after the transfer cutoff time will reflect the following business day as your payment date.

If making a payment at a branch, please let the banker know so they can process the payment accordingly.

Consumer Home Equity Loan

What can I use my Consumer Home Equity Loan for?

Use it for home improvements, tuition payments, bill consolidation, buy a new car, or go on vacation. It's easy and convenient to pay for almost anything.

Consumer Home Equity Loans cannot be used to purchase the subject property.

How is a Consumer Home Equity Loan different from a Home Equity FirstLine Plus?

While the Consumer Home Equity Loan and Home Equity Line of Credit (HELOC) are both secured by your real property, they have some differences. The Consumer Home Equity Loan is an installment loan with a fixed loan amount, interest rate and term, resulting in a fixed monthly payment. A HELOC is a line of credit that can be drawn on at any time during the Draw Period, up to your credit limit. In contract to the Consumer Home Equity Loan, the HELOC has a variable rate, meaning your monthly payments may vary. Under a HELOC, you also have the option to convert variable-rate balances to fixed-rate balances.

Business Loans

How can I make my monthly loan payments?

You may pay online at FHB.com, set up automatic payments, or mail your payment to the following address:

First Hawaiian Bank
P.O. Box 29450
Honolulu, HI 96820-1850

You may also drop off your payment at any First Hawaiian Bank branch location.

Do I need a First Hawaiian Bank account to apply for a Business FirstTerm Loan or a Business FirstLine?

No. A First Hawaiian Bank relationship is not required to apply/qualify.

How do I apply?

You may apply via:

Online Application
Please note: Applications for secured loans/lines of credit and applications for line increases on existing Business FirstLines cannot be submitted online. In addition, businesses without personal guarantors or with more than one (1) guarantor cannot apply online. If any of these situations apply to you, please visit a branch to apply.
At any First Hawaiian Bank Branch

Business Lines of Credit

What do I do if I suspect that there has been an unauthorized transaction on my Business FirstLine[[®]] account?

If you suspect that a transaction had been made without proper authorization, immediately contact your First Hawaiian Bank branch of account.

Are there other ways I can make payments?

Yes. You may pay online with FHB Online & Mobile Banking or set up Automatic Payment from your First Hawaiian Bank Business Checking account.

What are my payment options?

You may pay your balance in full with no prepayment penalties or pay the minimum payment listed on your monthly statement.

Where do I send my monthly payments?

Payments may be dropped off at any First Hawaiian Bank branch or mailed to the following address:

First Hawaiian Bank
P.O. Box 29450
Honolulu, Hawaii 96820-1850

How do I request a credit line increase?

To request a line increase, visit any First Hawaiian Bank branch.

How can I access the funds?

Use checks to access the line of credit, without having to apply every time you need additional funds.

What happens if we lose the Business FirstLine checks?

To report any lost checks, please contact your First Hawaiian Bank branch of account. Replacement checks will be mailed to you.

What are the terms?

The Business Line of Credit is a revolving line of credit with a 3-year term, meaning it can be used for up to 3 years. Once the line reaches its maturity, any unpaid balances or fees become due.

The Business Line of Credit and associated terms are subject to credit approval and may vary depending on your financial situation.

What's the best use of the Business Line of Credit?

This line of credit can be used for any business use. You can use it for short-term working capital, seasonal purchases, inventory, payroll, and other cash flow needs.

The Business Line of Credit cannot be used for personal, family or household purposes (or agricultural purposes for Guam residents), to finance the purchase or trading of securities, or to repay any debts incurred in the purchase or trading of securities, or to acquire, refinance, improve or maintain a 1-to-4 family residence.

Do I need a First Hawaiian Bank account to get a Business FirstLine of Credit?

No. A First Hawaiian Bank relationship is not required to apply/qualify for a Business FirstLine of Credit.

How can I apply for a Business FirstLine of Credit?

Download, print and submit an application
Visit any First Hawaiian Bank Branch

Have more questions?

Find a Branch

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

Business Banking FAQs

General Business Credit Card Questions

What do I do if I suspect that there has been an unauthorized transaction on my Business Card?

If you suspect that a transaction has been made without proper authorization, immediately contact us in Hawaii at 808-847-4444 or 1-800-342-2778 (Guam, Commonwealth of the Northern Mariana Islands or Continental US may call 1-800-342-2778).

What happens if one of my employees or I lose a credit card?

As soon as you realize that your card has been lost or stolen, please contact us immediately through our 24 hour customer service line at (808) 847-4444 on Oahu, or toll free at 1 (800) 342-2778. A replacement card will be mailed to you.

Are there other ways I can make payments?

Yes. You may pay online with FHB Online & Mobile Banking or set up Automatic Payment from your First Hawaiian Bank Business Checking account.

Where do I send my monthly payments?

Payments may be dropped off at any First Hawaiian Bank branch or mailed to the following address:

First Hawaiian Bank
P.O. Box 29450
Honolulu, Hawaii 96820-1850

How do I request a credit line increase?

The Business Owner may contact his/her First Hawaiian Bank branch of account.

How do I add a cardholder to my account?

The Business Owner may contact his/her First Hawaiian Bank branch of account.

After I apply, when will I receive my Business Card?

If you are approved, card(s) will be mailed 7 to 10 business days after your application has been processed. Additional cards will be mailed in separate envelopes.

Do I need a First Hawaiian Bank account to get a Business Credit Card?

No. A First Hawaiian Bank relationship is not required to apply/qualify for a Business Credit Card account.

How can I apply for a Business Credit Card?

You may apply via:

The internet at FHB.com
Call 643-CARD (Guam and the Commonwealth of the Northern Mariana Islands may call 1-800-215-4149)
Any First Hawaiian Bank Branch.

Credit Card Processing

Who do I call if I have a merchant services issue?

First Hawaiian Bank is the only local credit card processor in Hawaii. With First Hawaiian Bank your credit card processor and your bank are one in the same. No more being bounced around between a processor and a bank trying to figure out where or what the problem is. A single call to First Hawaiian Bank allows for easier troubleshooting and faster servicing should the need arise.

What kind of options do you have for accepting credit card authorizations?

First Hawaiian Bank offers the following options for credit card acceptance:

Terminals
- This is an efficient method of obtaining authorization for MasterCard, VISA, American Express, and Discover Network cards. Each transaction is automatically recorded and kept on file which helps reduce credit card abuse and other types of credit card fraud. The terminal can also provide check authorizations just by entering the customer's driver's license number or any credit card number.
Point-of-Sale (POS) Systems
- Payment processing may be integrated into your FHB compatible and PCI compliant POS system.
Mobile Processing
- Process payments from your own compatible smart device or from a wireless terminal.
PC Processing
- Process your customers credit card payments by accessing your web portal from your Windows based, internet connected computer.
eCommerce
- Merchants who conduct their business primarily online have the option to integrate a payment gateway to be able to accept credit card payment from their customers.
Touch-Tone Phone
- Access our fully computerized system to authorize a credit card transaction by simply entering the sales information on your touch-tone phone. No more waiting for operator assistance and, best of all, this service is free!
- In the event that you do need live assistance, an operator is available to verify and authorize credit card transactions.
Operator-Assisted Authorization
- In the event that you do live assistance, an operator is available to verify and authorize credit card transactions.

What does your credit card processing service provide?

First Hawaiian Bank offers the following benefits for credit card servicing:

Credit card batches closed by 7 p.m. will be available by 9 a.m. next business day.
On-site installation, training and trouble shooting.
Local availability of replacement equipment.
Paper draft processing (if need arises).
Supplies free of charge.
Personal assistance simply by calling a local phone number; no need to consider different time zones to get help when you need it.
Local handling of chargeback requests.

Why would I want to use credit card servicing?

Faster Access to Funds
- No more waiting for checks to clear, providing better cash management.
Increased Sales
More than 300 million people use credit cards with 20% of all sales a result of impulse buying.
A credit card sale is virtually guaranteed without the risk of bad checks or cash mishandling.Credit card companies spend millions to advertise their services and provide FREE promotional aids and displays.
Credit card customers have considerable purchasing power and have been prescreened for credit worthiness.
First Hawaiian Bank provides a monthly statement itemizing all your MasterCard, VISA, American Express OptBlue® and Discover Network card transactions.
Reduced Losses
Substantial Advertising and Promotional Support
Large Dollar Sales
Record Keeping

Check guarantee

What is ExpressCheck - Check Guarantee Service?

When a customer writes a check at your business, ExpressCheck will print an authorization slip for the customer to sign, authorizing you to convert the customer's paper check into an electronic check. This allows you to submit an electronic entry to the customer's bank account instead of depositing the paper check. The cashier will return the paper check to the customer, along with a signed copy of the customer's authorization slip.

Why would I want to use ExpressCheck?

ExpressCheck provides advantages to both you and your customers:

Merchant Benefit	Customer Benefit
No Returned Checks: SPS Guarantees (up to a pre-determined limit) all electronic checks	Increased Security: No paper check to lose, misplace, or copy.
No More Paper Checks: No more depositing or storage costs!	Informative: Customer’s statements will show your merchant name, date, and amount of transaction
Improved Cash Flow: Fund from ExpressChecks will be deposited into your account within two business days.
No Return Item Fees

Payroll

What benefits are there for Payroll Servicing?

A few of the more popular benefits of payroll servicing with First Hawaiian Bank, in conjunction with ADP and Ceridian Employer Services, include:

Compliance Tools
Direct Deposit
Benefits Administration
Tax Services Management
Time and Attendance Solutions
Confidentiality

What is Payroll Servicing?

First Hawaiian Bank has partnered with Ceridian Employer Services and ADP to provide you with a whole spectrum of payroll services designed to help your business prosper. Our partners can help with more than just getting your employees paid; they can ensure the tax authorities have the right compensation and tax information at the right time.

Payroll services can file and pay your payroll taxes for you, and prepare valuable extra personnel reports, such as job cost accounting and labor distribution. Varying pay rates, bonuses, commissions, special payments, benefits and other deductions can also be accommodated easily.

Payroll services are available to all size businesses, from single-employee companies to the largest of corporations.

Business Tax

I am currently enrolled for QuickTax, how do I log in?

Existing QuickTax customers may log on to their accounts here by using their current access code and PIN number.

Why should I use QuickTax?

You should use QuickTax for the following reasons:

Current Federal and State of Hawaii mandates now require most businesses to pay their taxes electronically.
The IRS will no longer be accepting Federal Tax payments by paper coupons and will subsequently require an electronic payment.

What are the benefits for using QuickTax?

QuickTax offers the following benefits:

Fast - Electronic payment eliminates the need for unnecessary paperwork.
Easy - Simply log in to our secure Internet website or call the toll-free number during normal business hours and follow the prompts.
Safe - Both an access code and a personal identification number are required to make payments.
Efficient - Specify your tax code, payment amount and payroll check date, and we'll calculate your tax due date. Then, we'll deduct the funds from your account and make your tax payments for you.
Accurate - Double check your entries for accuracy to avoid penalties for errors on your tax payments.
Verifiable - For Internet payments, a deposit receipt is available to you immediately. For phone payments, one will be mailed or faxed to you the next business day.
Control - Keep control of the timing and amount of your tax payments.

What is QuickTax?

With QuickTax, you can eliminate unnecessary paperwork by paying your business taxes with your touchtone phone or using your PCs Internet connection. You'll no longer need to prepare tax deposit coupons, write checks or make extra trips to the bank. QuickTax also conforms to Electronic Federal Tax Payment System (EFTPS) requirements.

Gift Card Services

What benefits are there for having a Gift Card service?

Increase your revenues
Gift cards generate first time purchases while encouraging store loyalty since cards can be reloaded with additional value right in your own store.
Paper gift certificates allow customers to receive their remaining balance in cash. With gift cards, the entire amount must be redeemed otherwise unused dollars remain on the card for future purchases. Gift cards are the ultimate way to build loyalty with your customers because the customer has to come into the store to use the card.
Card balances can be tracked online through the Internet. Additionally, you will receive a monthly statement that shows card issuance and card redemption activity.
With today's sophisticated technologies, a plastic card is more difficult to reproduce than paper certificates, thereby reducing the potential for fraud.
From a single company logo to a special occasion theme, our team can assist you in creating the look you want.
Use your First Hawaiian Bank credit card terminal to activate cards for various denominations, such as $5, $10, $20, $50 or even more.
Customers can purchase your card for special occasions such as birthdays, weddings or holidays. Or, your company can use it as a way to thank your best customers and employees.
Higher quantities of gift cards purchased result in a lower cost per card.
Ensure future customer transactions
Monitor account activity via the Internet or monthly statements
Reduce Potential Fraud
Create your own card design
Easy to activate
Great for any occasion

What is a Gift Card service?

Let us show you the possibilities of how you can increase your store's profitability and your number of loyal customers with First Hawaiian Bank's Gift Card service. Provided together with our processing partners, the plastic, magnetic-striped cards are a great way to advertise your company, while making it convenient for your customers to make purchases year-round.

Cash Management

What benefits does your Information and Control Services offer?

ACH Payments - Allows you to pay vendors, employees, or taxes electronically via the Automated Clearing House (ACH) utilized by banks. Using this method, most payees receive their payments in 2-days or less and reduces the processing of paper items and is less costly than mailing checks.
Wire Transfer Service - Wire transfers are the fastest way to send funds both domestically and internationally. Wire transfers offer same day funds availability in most cases. Wires transfers can sent in US Dollars or Foreign Currencies using our FHB Online Business Center service or from our Branches.

For more information, please request a callback.

What benefits does your Disbursement Services offer?

ACH Payments - Allows you to pay vendors, employees, or taxes electronically via the Automated Clearing House (ACH) utilized by banks. Using this method, most payees receive their payments in 2-days or less and reduces the processing of paper items and is less costly than mailing checks.Wire Transfer Service - Wire transfers are the fastest way to send funds both domestically and internationally. Wire transfers offer same day funds availability in most cases. Wires transfers can sent in US Dollars or Foreign Currencies using our FHB Online Business Center service or from our Branches.For more information, please request a callback.

What benefits does your Collection Services offer?

Concentration
- At the close of each banking day, excess funds in your operating accounts are consolidated automatically into a single master account. Subsidiary accounts are left with zero balances. This allows you to save time in determining your daily cash position.
Deposit Identification
Provides a single depository account but allows deposits to be identified by store, department, or purpose, as determined by you. The same identifying number (location ID) also earmarks returned checks and change fund orders, allowing you to allocate debits to the proper origin. Our Account Reconciliation Package provides totals by location and statement cycle.
With this service, you provide us with an electronic file to debit your customers' accounts and credit your own on a specified settlement date. You may use the same file to update your receivable system. This is a very efficient and low-cost service (subject to credit approval).
Gives you prompt notification of incoming electronic deposits to your accounts for federal contracts, plus other payments with addenda information.
The bank handles all incoming payments mailed by your customers, processes them, deposits the checks in your account, and forwards the input to you. This reduces float time on payments and minimizes clerical work. In the case of an Automated Lockbox, the bank also transmits the processed item file, which allows you to electronically update your receivables.
Allows you to move large amounts from accounts at another bank to your account at First Hawaiian Bank for immediate credit.
Pre-Authorized Payment Service
Quickpay
Remittance Processing (Lockbox)

Priority Destinations[[®]] World Elite Business Credit Card

What are my Priority Miles redemption options?

Redeem Priority Miles for travel including airfare, hotel, car rental, and more through Travel with Rewards powered by Expedia. Additional redemption options include gift cards or check (issued to the company).

Priority Miles may only be redeemed while your credit card account is open and in good standing. All redemptions must be made by the company’s Program Administrator.

What is the Priority Destinations Business Credit Card?

Earn Priority Miles on eligible purchases with the Priority Destinations Business Credit Card.

The Priority Destination Business Program offers consolidated company billing. All Priority Miles will be accumulated at the company level. The company will authorize a Program Administrator at time of application to redeem Priority Miles on behalf of the company. The company will receive one monthly consolidated company credit card statement and memo statements will be sent to individual cardholders.

How can I redeem my Priority Miles and see my current rewards balance and recent activity?

Online

Log in to FHB Online® Banking, select your Priority Destinations Credit Card account, and click on the “Redeem Priority Miles” button. Visit fhb.com/managerewards for additional information.

By Phone

Contact the Priority Destinations Redemption Center toll-free 1-877-676-5171

Priority Miles may only be redeemed while your credit card account is open and in good standing. All redemptions must be made by the company’s Program Administrator and reference the PassCode created at time of application.

How many Priority Miles can my business earn?

Your business can earn unlimited Priority Miles on eligible purchases as long as your account is open and in good standing.

What are eligible purchases to earn Priority Miles?

Eligible purchases are all purchase transactions excluding balance transfers, convenience checks, ATM withdrawals, PIN transactions, money transfers (including P2P payments), quasi cash transactions (including purchases of traveler’s checks, money orders, foreign currencies and cryptocurrencies), lease and loan payments, truck stop transactions, tax payments, gambling transactions, unauthorized or fraudulent charges, finance charges and other card-related fees. See the Priority Destinations World Elite Business Program Agreement for additional details and restrictions.

Will my Priority Miles expire?

To keep your Priority Miles balance active, make an eligible purchase or redeem your Priority Miles at least once every 24 months. Priority Miles will expire due to inactivity 24 months after your last transaction or redemption.

Can I keep my Priority Miles earnings if my account is closed?

If your credit card account is closed, your Priority Miles earnings will automatically expire and cannot be redeemed. Please review and redeem your available Priority Miles balance before closing your account.

Can I transfer or gift my Priority Miles to another Priority Destinations cardholder?

Yes, you can transfer your Priority Miles to a friend or family member's Priority Destinations account. To gift your Priority Miles, contact the Priority Destinations Redemption Center at 1-877-676-5171 and provide the recipient’s Priority Destinations card account number and last name.

United[[®]] World Elite Business Credit Card

What are my payment options?

You may pay your balance in full or pay the minimum payment listed on your monthly statement.

Where can I find out how many Miles I have earned?

Monthly earned Miles will be displayed on your First Hawaiian Bank credit card statement. Or, please visit the United website at www.united.com.

Is there a maximum amount of Miles I can earn per year?

Currently, there is no limit to the amount of Miles you can earn. This may change subject to the rules of United's MileagePlus[[®]] program. For more information, please visit United's website at www.united.com.

How do I redeem my Miles?

To redeem your Miles, visit the United internet site at www.united.com or call 1-671-647-6453 in Guam or CMNI or 1-800-864-8331 (1-800-United-1) from all 50 states.

Do I need to sign up for the Credit Card and MileagePlus separately?

No, when you open a United World Elite Business Credit Card you are automatically enrolled in the MileagePlus[[®]] program if your address is in the U.S., Guam or CNMI.

Where can I apply for a United World Elite Business Credit Card?

You can apply for a United World Elite Business Credit Card at any First Hawaiian Bank branch in Guam or Saipan, or online.

Priority Rewards Business Credit Card[[SM]]

What is the Priority Rewards Business Credit Card?

Earn CashPoints on eligible purchases with the Priority Rewards Business Credit Card. The Priority Rewards Business Program offers two different billing structures to fit your business needs. Select the best option for your business at time of credit card application.

Company Billing – All CashPoints will be accumulated at the company level. The company will authorize a Program Administrator at time of application to redeem CashPoints on behalf of the company. The company will receive one monthly consolidated company credit card statement and memo statements will be sent to individual cardholders.

Individual Billing – Award CashPoints to each individual cardholder. Individual credit card statements will be sent to each employee.

What are my CashPoints redemption options?

Priority Rewards Business accounts can redeem CashPoints for travel including airfare, hotel, car rental, and more through Travel with Rewards powered by Expedia. Additional redemption options include gift cards or Cash Back.

For Cash Back redemptions, accounts that award CashPoints to the individual employee may redeem for Cash Back as a statement credit or check. Company accounts may only redeem for Cash Back as a check issued to the company.

CashPoints may only be redeemed while your credit card account is open and in good standing. For company accounts, all redemptions must be made by the company’s Program Administrator.

How can I redeem my CashPoints and see my current rewards balance and recent activity?

Online

Log in to FHB Online® Banking, select your Priority Rewards Credit Card account, and click on the “Redeem CashPoints” button. Visit fhb.com/managerewards for additional information.

By Phone

Contact the Priority Rewards Redemption Center toll-free at 1-800-868-2856.

CashPoints may only be redeemed while your credit card account is open and in good standing. For company accounts, all redemptions must be made by the company’s Program Administrator and reference the PassCode created at time of application.

How many CashPoints can my business earn?

Your business can earn unlimited CashPoints on eligible purchases as long as your account is open and in good standing.

What are eligible purchases to earn CashPoints?

Eligible purchases are all purchase transactions excluding balance transfers, convenience checks, ATM withdrawals, PIN transactions, money transfers (including P2P payments), quasi cash transactions (including purchases of traveler’s checks, money orders, foreign currencies and cryptocurrencies), lease and loan payments, truck stop transactions, tax payments, gambling transactions, unauthorized or fraudulent charges, finance charges and other card-related fees. See the Priority Rewards Business Program Agreement for additional details and restrictions.

Will my CashPoints expire?

To keep your CashPoints balance active, make an eligible purchase or redeem your CashPoints at least once every 24 months. CashPoints will expire due to inactivity 24 months after your last transaction or redemption.

Can I keep my CashPoints if my account is closed?

If your credit card account is closed, your available CashPoints will automatically expire and cannot be redeemed. Please review and redeem your available CashPoints before closing your account.

Can I transfer or gift my CashPoints to another Priority Rewards cardholder?

Yes, you can transfer your CashPoints to a friend or family member's Priority Rewards account. To gift your CashPoints, contact the Priority Rewards Redemption Center at 1-800-868-2856 and provide the recipient’s Priority Rewards card account number and last name.

3D Secure

What is Mastercard 3D Secure 2.0?

Mastercard 3D Secure 2.0 is an additional layer of authentication for online card transactions that aims to reduce fraud and enhance security. Not all transactions or purchases will require 3D Secure authentication; it depends on the merchant and/or type of purchase.

3D Secure may require a two-factor authentication to protect you from unauthorized or fraudulent transactions. The two-factor authentication will ask if you would like a passcode sent to your email or mobile phone and have you enter in the passcode. If you are able to authenticate your purchase using this method, the charge will go through. Otherwise, the transaction will be declined.

A purchase on my debit/credit card was recently declined due to 3D Secure 2.0. What happened? How can I get this charge put through?

A 3D Secure authentication error may be due to a mistyped card number or an incorrect expiration date. You may need to reattempt the purchase to ensure all information needed to complete the transaction is correct. Also, if no authentication message was received, please double check that your mobile phone number and email address is correct on file with First Hawaiian Bank.

How can I enroll in 3D Secure 2.0?

All of our First Hawaiian Bank consumer and small business debit and credit cardholders are automatically enrolled in Mastercard 3D Secure 2.0 as a security measure for our customers. There is no option to opt out.

At this time, 3D Secure 2.0 is not enabled for customers with a Commercial or Small Business roll up credit card.

What kind of transactions qualify for 3D Secure 2.0?

3D Secure 2.0 only monitors for transactions in which your physical card is not present. When you use your physical card in person, 3D Secure 2.0 authentication is not triggered.

Who do I call if I have questions about Mastercard 3D Secure?

If you have questions about Mastercard 3D Secure, please call (808) 847-4444.

Have more questions?

Find a Branch

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

Personal Banking FAQs

General

How do I check my balance by phone?

To check your balance by phone, call your branch at the number listed on your statement or our 24/7 automated voice service at 808-844-4444 or toll-free at 1-888-844-4444. You can also log in to FHB Online Banking or the FHB Mobile app to quickly, and conveniently view your account balances at any time. To enroll, go to fhb.com/enroll or download the FHB Mobile app.

How do I update or reset my debit card or credit card PIN?

To update or reset your PIN, please do one of the following:

Reset your PIN in the FHB Mobile App
- Login to your FHB Mobile App and select your credit card or the checking account associated with your debit card
- Tap 'Account Details’
- Tap ‘Manage Card Account’
- Select ‘Set Up PIN’ from the drop-down menu
If you know your current PIN and would like to change it, you may also contact (808) 844-4321 or 1-800-545-6300. You will be asked to identify yourself using your current PIN before you can reset your PIN.
Contact FHB Customer Service Daily 7AM – 7PM HST at (808) 844-4444 or Toll-Free (888) 844-4444

How do I get my PIN number?

When opening a new credit or debit card account, your PIN will be mailed to your mailing address on file. It will be mailed separately from your card for security purposes and should arrive a day or two after your new card is received.

If you have not received your PIN after more than the timeline above, please contact FHB Customer Service Daily 7AM – 7PM HST at (808) 844-4444 or Toll-Free at (888) 844-4444 or visit the nearest branch for assistance.

How can I withdraw money from my personal checking account?

There are many ways, including:

FHB Online® - transfer funds between First Hawaiian Bank accounts, to accounts at other financial institutions or to accounts belonging to other people. In addition, if you sign up for the optional Bill Payment feature, you can pay all of your bills online in one place.

Note: Some features have additional fees. See terms & conditions for details.

Cash withdrawals from First Hawaiian Bank ATMs and other ATMs
Transfers between linked accounts at First Hawaiian Bank ATMs
Make purchases at participating merchants using your debit card
Personal checks
Transactions with a branch teller

Additional transaction fees may apply. Refer to the disclosures you received at account opening or inquire at a First Hawaiian branch.

How do I check my balance by phone?

To check your balance by phone, call your branch at the number listed on your statement or our 24/7 automated voice service at 808-844-4444 or toll-free at 1-888-844-4444. You can also log in to FHB Online Banking or the FHB Mobile app to quickly, and conveniently view your account balances at any time. To enroll, go to fhb.com/enroll or download the FHB Mobile app.

How can I avoid having a hold placed on my deposit?

To avoid holds, you can use:

Direct deposit: You can avoid having a hold placed on your check by using direct deposit instead. If you have recurring income like a paycheck, pension payment or Social Security check, arrange to receive it by direct deposit.
Cash deposits made at a teller window are usually made available no later than the next business day.

What does it mean if I receive a hold on my account after I have made a deposit?

A hold means that although we’ve received your check for deposit, you won’t be able to use the funds until the hold period has expired. Depending on the type of check that you deposit, funds may not be available until the third business day after the day of your deposit. However, the first $225 of your check deposits will be available on the first business day after the date of your deposit. If the deposited item is returned unpaid before the hold expires, those funds will not be made available to you. If the deposited item is returned after the hold expired, we charge your account for the amount of the item. Holds are placed to help protect both you and us from losses that could occur when a deposited item is returned unpaid. Situations that typically cause a check to be held include:

There is reason to believe the funds may be uncollectible
The source of the check (e.g., foreign checks)
The account is a new account (new account rules apply for the first 30 days the account is open)
The account has repeated overdrafts in the last 6 months
You deposit checks totaling more than $5,525 on any one day
Fraud is suspected
Emergency situations, including computer or communication failure. Incorrect routing or account number information on a deposit slip

When are my funds available after deposit?

The speed with which we make your deposited funds available depends on a number of factors, including how, when, and where you made your deposit. For example:

Direct Deposit: First Hawaiian Bank credits your account on the day the deposit is scheduled to occur. In most cases, a direct deposit is the fastest and easiest way to get funds into your account. Also, direct deposits are free.
Wire Transfer: First Hawaiian Bank credits your account the day we receive it. Wire transfers typically have to be set up for each transfer. In most cases, there is a fee for sending or receiving a wire transfer, but it can be worth the expense since you know the money will be there when you need it.
Cash with a Teller: Funds are available no later than the next business day.
Checks: A hold may be placed on your deposit, depending on the type of check. If you're not sure, ask your teller when the funds you deposited will be available.

How do I make a deposit if I don't live near any branches or ATMs?

To make a deposit by mail, send your check(s) to your branch of account. Please use our branch locator to find your branch of account’s address. Please do not mail cash.

In FHB Online & Mobile Banking, you can use External Transfers to transfer money to your FHB checking account from your accounts at another bank. Learn more about External Transfers.
The FHB Mobile app allows you to mobile deposit checks up to $10,000 per business day into your FHB checking account. Learn more about Mobile Deposit.

How do I deposit money into my personal checking account?

Cash, check, and coin deposits are accepted at all First Hawaiian Bank branches. Please see a teller to conduct your deposit.
Cash and check deposits are accepted at most First Hawaiian Bank ATM’s.
Wire transfers are accepted into personal and business accounts; however incoming wire fees may apply.
Electronic Funds Transfers (EFT’s) such as direct deposits from employers or other businesses are accepted into personal and business accounts at no charge from First Hawaiian Bank.
Check deposits are accepted via mail to your branch of account. Please allow additional time for processing delays due to mail time.

Where is the First Hawaiian Bank ABA / routing number on my check?

The sample check graphic below shows where the ABA routing number can be found on your check. The routing number is the first nine digits on the bottom left hand side of the check.

What is an Item Enclosure fee?

An Item Enclosure fee is charged when you receive a copy of your canceled checks with your statement. You may request to be added onto CheckStorage to avoid the Item Enclosure fee by contacting our customer service line at 1-888-844-4444.

What is a Check Image Service fee?

A Check Image Service fee is charged for returning images of your canceled checks with your monthly statement. You can receive an online version of your statement which includes images of your canceled checks at no cost. To enable eStatements, login to FHB Online Banking and select your account, then click the Online Statement link. Follow the prompts on the screen to enable eStatements for each of your accounts. To enroll for FHB Online, go to fhb.com/enroll. Learn more about eStatements.

How do I stop payment on a personal check?

You can request a stop payment on a personal check at any branch or by calling 1-888-844-4444.
You will need to provide the following information:
- Check number and/or amount
Check Stop Payments - Unless removed, this order will expire 6 months from today.
Recurring EFT Stop Payments - Unless removed; this order will remain indefinitely

Please note that all the information provided by you must be exactly correct or the stop payment may not be effective. This order will not be effective if the bank has already cashed the item or is already committed to honor the item. A stop payment cannot be placed on an item that has already been presented. A fee of $30.00 will be charged to your account for this stop payment.

How do I check my balance by phone?

To check your balance by phone, call your branch at the number listed on your statement or our 24/7 automated voice service at 808-844-4444 or toll-free at 1-888-844-4444. You can also log in to FHB Online Banking or the FHB Mobile app to quickly, and conveniently view your account balances at any time. To enroll, go to fhb.com/enroll or download the FHB Mobile app.

What is a scheduled transfer?

A scheduled transfer is a way of automatically moving money from your checking account to another checking or savings account each pay period.

To set up your Automatic Transfers, simply sign in to FHB Online service and click the "Transfer Funds" tab at the top of the page. Or, you can visit your nearest branch, where an associate will be happy to assist you.

I have a Complete Checking Debit card and would like to enroll in Mastercard's ID Theft Protection, how can I do that?

You can enroll in Mastercard's ID Theft Protection by clicking "Activate Now" on the page here.

Direct Deposit

How much does direct deposit cost?

There is no charge for direct deposit. First Hawaiian Bank’s direct deposit is free of charge. No fee to setup direct deposit to any of your First Hawaiian Bank personal accounts - checking, savings, or money market account.

How can I get direct deposit?

With your First Hawaiian Bank account number and the bank’s routing number or a voided check, go to your employer or the funding entity and request direct deposit. Most direct-deposit requests can be implemented by your next payday.

What is direct deposit?

Direct deposit automatically places your paycheck, pension, Social Security, or other regular monthly income into your checking, savings, or Money Market account. It's convenient, secure, and saves trips to your branch.

Online Checking & Savings Account

I need help verifying my external bank account to complete the trial deposit verification process.

You should have received an email notification with a link to “Verify Deposits”. You will be taken to a page where you will need to verify your identity. Once verified, you will be asked to enter the two small deposit amounts you received in your external account to complete the verification process. If you need additional assistance, please call us at (808) 844-4545 or toll free at (800) 894-5600, Monday to Friday from 8am - 5pm HST.

Who can I contact if I submitted an application and did not receive an email confirmation?

Please contact us at (808) 844-4545 or toll free at (800) 894-5600, Monday thru Friday between 8am – 5pm for assistance with your application.

Why am I getting an error message when I try to fund my new account using Internal Transfers?

Please confirm that the checking or savings account you are funding from has a higher available balance than the total deposit amount for your new account(s). If it doesn’t, you can either choose to fund from your account at another bank or by mailing in a check. If your current available balance is higher than your funding amount and you are still receiving an error, please contact us at (808) 844-4545 or toll free at (800) 894-5600, Monday to Friday from 8am - 5pm HST for assistance.

I opened my checking or savings account online and forgot to write down my account number. How can I get my account number?

Once your new checking or savings account is opened online, you can enroll for and login to FHB Online Banking to view your new account and the full account number. You also receive a confirmation email with a link to view your new account(s). You will be taken to a page where you will need to verify your identity. Once verified, you can view detailed information about your new account(s).

I’m trying to open a new account online and need help. Who do I contact?

Please contact us at (808) 844-4545 or toll free at (800) 894-5600, Monday to Friday from 8am - 5pm HST for assistance with opening a personal checking, savings or eCD account online.

I opened my account online and need help with my checks and debit card order.

If you ordered checks or a debit card when you opened your new account online, they should arrive within 10-12 business days to Hawaii, Guam or Saipan addresses.

If your account has already been opened and you want to order checks for the first time, please call our customer service at (888) 844-4444.

If you do not remember if you chose to order checks or a debit card during the online account opening process, please refer to your confirmation email with the link to view your account(s). From there, you will be taken to a page where you will need to verify your identity. Once verified, you can view detailed information about your new account(s) including if checks or a debit card was ordered. If you need additional assistance, please call us at (808) 844-4545 or toll free at (800) 894-5600, Monday to Friday from 8am - 5pm HST.

Yes-Check[[®]]

What is Yes-Check?

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. This service gives you the flexibility to make payments when you don't have enough money in your checking account at the time of the transaction.

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

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 an Overdraft Fee (OD) or Non-Sufficient Funds (NSF) Return Item Fee.

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

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

What does Yes-Check cost?

Please see a Customer Service Representative at a First Hawaiian Bank branch for current Rates and Fees.

How do I get Yes-Check?

You can apply for Yes-Check by visiting any First Hawaiian Bank branch.

General Questions

How do I activate my card?

To activate your card, please do one of the following:

Contact the number on the sticker on your new card.
Activate in the FHB Mobile App
- Login to your FHB Mobile App and select your credit card or the checking account associated with your debit card
- Tap 'Account Details’
- Tap ‘Manage Card Account’
- Tap ‘Activate Card’

What should I do if I see unauthorized transactions on my credit or debit card?

If you suspect fraud on your account, please contact our 24 hour fraud service at (866) 686-4228 to report the transactions and request a replacement card. You may also opt into card alerts to monitor your account and transaction activity.

Should I inform FHB when I travel with my credit card?

Yes, please inform FHB of your travel plans so that we can minimize cardholder disruption while you are traveling. To notify FHB of upcoming travel, please do one of the following:

Set up a Travel Alert in the FHB Mobile App. This is available for travel starting in the next 30 days.
- Login to your FHB Mobile App and select your credit card or the checking account associated with your debit card
- Tap ‘Account Details’
- Tap ‘Manage Card Account’
- Select ‘Set Up Travel Alert’ from the drop-down menu
- Select domestic or international travel and input your travel details
- Tap ‘Enable Alert’
Login to FHB Online Banking and send us a secure message by going to ‘Messages’ then select ‘Travel Notice’ as the message category.
Contact FHB Customer Service Daily 7AM – 7PM HST at (808) 844-4444 or Toll-Free at (888) 844-4444.

How can I access my credit card statement?

To access or request a copy of your credit card statement, please do one of the following:

If you are enrolled in e-statements, you may access your credit card statements in FHB Online Banking. See instructions here.
Contact FHB Customer Service Daily 7AM – 7PM HST at (808) 844-4444 or Toll-Free at (888) 844-4444 or visit the nearest branch for assistance. Additional fees may apply.
For iOS users, you may access your credit card statements in the FHB Mobile App
- Login to your FHB Mobile App and select your credit card
- Tap ‘Account Details’
- Tap ‘Manage Card Account’
- Tap ‘View Statements’ from the drop-down menu

My Credit Card was lost or stolen, what do I do?

First Hawaiian Bank constantly strives to ensure the security of your account. If your card is ever lost or stolen, please contact us immediately through our 24 hour customer service line at (808) 847-4444 on Oahu, or toll free at 1 (800) 342-2778. This will prevent further transactions from being authorized on your card.

I did not receive my credit card and it has already expired, what do I do?

Your credit card expires on the last day of the month indicated on your credit card. Normally, replacement credit cards are sent during the month prior to the expiration date of your card. If your current card has expired and you did not receive your replacement, please contact us immediately by calling the number on the back of your card or on your statement. If you don’t have the numbers handy, our 24 hour customer service line is 1-800-342-2778. We will assist you in ensuring the safety of your account and help you order a replacement card.

How do I make a payment over the phone?

Credit card customers can make a payment every 15 days using our fast, easy, and convenient phone payment service called "Quick Remit" by dialing the number on the back of your card. The availability of this service may be extended to once every 60 days if your last Quick Remit payment is returned. Payments must be made before 5:00pm Eastern Standard to reflect same day crediting. All payments made after 5:00pm EST will be credited as of the following business day.

Card Alerts

What cards are eligible to enroll in card alerts?

All Credit, Debit, and ATM Cards are eligible to enroll in personalized card alerts except for the card types below.

Commercial Card and Business Credit Card accounts that begin with 5569, 5478, and 5199 will automatically receive a limited set of card alerts by email. No enrollment is required.

How do I set up card alerts?

Visit this page for instructions.

You will receive a verification SMS text message confirming enrollment. If you did not receive the enrollment verification, please contact Customer Service at 1-800-342-2778. Phone numbers without the US country code (+1) are unable to receive card alert SMS text messages.

Can I manage my card alerts without using the FHB mobile app?

Manage card alert functionality is available only on the FHB Mobile app.

What types of card alerts are available?

Card alerts can be personalized for each card on the account for purchase alerts (spend categories, spend limits, out-of-state purchases, online purchases), service alerts (card requests, card activations, above-threshold balances) and updates to card account (contact information).

How do I opt out of card alerts?

To opt out of specific card alert(s), visit this page for instructions.

To opt out of all card alerts:

Select a credit card or checking account linked to a debit card, and tap “Account Details”
Tap “Manage Card Alerts”
Tap “Deactivate" to stop receiving card alerts
Tap "Save"

How do I re-enroll in card alerts?

To re-enroll for specific card alert(s), visit this page for instructions.

To re-enroll to all card alerts:

Select a credit card or checking account linked to a debit card, and tap "Account Details"
Tap "Manage Card Alerts"
Tap "Activate" to re-enroll in card alerts
Tap "Save"

Will the alerts stay on the account if I get a new card number?

Yes. You do not need to re-enroll in card alerts.

I have multiple FHB debit and credit cards, do I need to set alerts for each card?

Yes, you will need to enroll in alerts for each credit or debit card.

What if I receive a card alert for a transaction I did not authorize?

Please call Customer Service at 1-800-342-2778 or the number on the back of your card.

How do I update my email address or phone number for card alerts?

To update your email address, update your profile with the new email address you would like to receive card alerts for.

To update your phone number, you will need to update your contact information for each card:

Select a credit card or checking account linked to a debit card, and tap "Account Details"
Tap "Manage Card Alerts"
Tap "Contact Information" and review current phone number and email address
For SMS alert, select the mobile number for delivery and tap "Verify"

Phone numbers without the US country code (+1) are unable to receive card alert SMS text messages.

3D Secure

What is Mastercard 3D Secure 2.0?

A purchase on my debit/credit card was recently declined due to 3D Secure 2.0. What happened? How can I get this charge put through?

How can I enroll in 3D Secure 2.0?

At this time, 3D Secure 2.0 is not enabled for customers with a Commercial or Small Business roll up credit card.

What kind of transactions qualify for 3D Secure 2.0?

3D Secure 2.0 only monitors for transactions in which your physical card is not present. When you use your physical card in person, 3D Secure 2.0 authentication is not triggered.

Who do I call if I have questions about Mastercard 3D Secure?

If you have questions about Mastercard 3D Secure, please call (808) 847-4444.

Priority Destinations World & World Elite Credit Cards

What are my Priority Miles redemption options?

Redeem Priority Miles for travel including airfare, hotel, car rental, and more through Travel with Rewards powered by Expedia.

Additional redemption options include gift cards, Cash Back (statement credit or check) or Mastercard Pay with Rewards™. Mastercard Pay with Rewards is a program that allows you to redeem statement credits towards eligible purchases.

Priority Miles may only be redeemed while your credit card account is open and in good standing.

How can I redeem my Priority Miles and see my current rewards balance and recent activity?

Online

Log in to FHB Online® Banking, select your Priority Destinations Credit Card account, and click on the “Redeem Priority Miles” button. Visit fhb.com/managerewards for additional information.

By Phone

Contact the Priority Destinations Redemption Center toll-free at 1-877-676-5171.

For joint accounts, the primary and co-borrower will both have access to redeem and view the combined Priority Miles balance on the account.

How many Priority Miles can I earn?

You can earn unlimited Priority Miles on eligible purchases as long as your account is open and in good standing.

What are eligible purchases to earn Priority Miles?

Eligible purchases are all purchase transactions excluding balance transfers, convenience checks, ATM withdrawals, PIN transactions, money transfers (including P2P payments), quasi cash transactions (including purchases of traveler’s checks, money orders, foreign currencies and cryptocurrencies), lease and loan payments, truck stop transactions, tax payments, gambling transactions, unauthorized or fraudulent charges, finance charges and other card-related fees. See the Priority Destinations Program Agreement for additional details and restrictions.

Will my Priority Miles expire?

Can I keep my Priority Miles earnings if my account is closed?

Can I transfer or gift my Priority Miles to another Priority Destinations cardholder?

Priority Rewards Credit Card

What are my CashPoints redemption options?

Redeem CashPoints for gift cards, Cash Back (statement credit or check) or Mastercard Pay with Rewards™. Mastercard Pay with Rewards is a program that allows you to redeem statement credits towards eligible purchases.

Additionally, redeem for travel including airfare, hotel, car rental, and more through Travel with Rewards powered by Expedia.

CashPoints may only be redeemed while your credit card account is open and in good standing.

How can I redeem my CashPoints and see my current rewards balance and recent activity?

Online

Log in to FHB Online® Banking, select your Priority Rewards Credit Card account, and click on the “Redeem CashPoints” button. Visit fhb.com/managerewards for additional information.

By Phone

Contact the Priority Rewards Redemption Center toll-free at 1-800-868-2856.

For joint accounts, the primary and co-borrower will both have access to redeem and view the combined CashPoints balance on the account.

How many CashPoints can I earn?

You can earn unlimited CashPoints on eligible purchases as long as your account is open and in good standing.

What are eligible purchases to earn CashPoints?

Eligible purchases are all purchase transactions excluding balance transfers, convenience checks, ATM withdrawals, PIN transactions, money transfers (including P2P payments), quasi cash transactions (including purchases of traveler’s checks, money orders, foreign currencies and cryptocurrencies), lease and loan payments, truck stop transactions, tax payments, gambling transactions, unauthorized or fraudulent charges, finance charges and other card-related fees. See the Priority Rewards Program Agreement for additional details and restrictions.

Will my CashPoints expire?

Can I keep my CashPoints if my account is closed?

If your credit card account is closed, your available CashPoints will automatically expire and cannot be redeemed. Please review and redeem your available CashPoints before closing your account.

Can I transfer or gift my CashPoints to another Priority Rewards cardholder?

Priority Unlimited Credit Card

How do I earn Cash Back?

Use your Priority Unlimited Mastercard^® on purchases and automatically earn Cash Back. Cash Back will be earned when eligible transactions post to your account. You will earn 2% Cash Back on qualifying purchases if you have an additional qualifying FHB account OR 1.5% Cash Back if you do not. To qualify to receive 2% Cash Back on purchases, your additional qualifying FHB account must be open and in good standing when the transaction posts.

What is a qualifying account to earn 2% Cash Back?

A qualifying FHB account is any FHB personal deposit account (checking, savings, CD, IRA), mortgage, home equity loan, HELOC, or Private Banking relationship. You must be an owner of the qualifying account. Agents, beneficiaries, custodians, guardians, personal representatives, guarantors, and other types of non-owners are excluded. Cash Back is accumulated when eligible transactions post to the cardholder’s account.

What are my Cash Back redemption options?

Cash Back can be redeemed as a statement credit on your credit card account through on-demand redemption, automatic monthly redemption or Mastercard Pay with Rewards™. Mastercard Pay with Rewards is a program that allows you to redeem statement credits towards eligible purchases.

Cash Back may only be redeemed while your credit card account is open and in good standing.

How can I redeem my Cash Back and see my current rewards balance and recent activity?

Online

Log in to FHB Online® Banking, select your Priority Unlimited Credit Card account, and click on the “Redeem Cash Back” button. Visit fhb.com/managerewards for additional information.

By Phone

Contact the Priority Unlimited Redemption Center toll-free at 833-251-6394.

For joint accounts, the primary and co-borrower will both have access to redeem and view the combined Cash Back balance on the account.

How much Cash Back can I earn?

You can earn unlimited Cash Back on eligible purchases as long as your account is open and in good standing.

What are eligible purchases to earn Cash Back?

Eligible purchases are all purchase transactions excluding balance transfers, convenience checks, ATM withdrawals, PIN transactions, money transfers (including P2P payments), quasi cash transactions (including purchases of traveler’s checks, money orders, foreign currencies and cryptocurrencies), lease and loan payments, truck stop transactions, tax payments, gambling transactions, unauthorized or fraudulent charges, finance charges and other card-related fees. See the Priority Unlimited Credit Card Agreement for additional details and restrictions.

Will my Cash Back balance expire?

To keep your Cash Back balance active, make an eligible purchase or redeem your Cash Back at least once every 24 months. Cash Back will expire due to inactivity 24 months after your last transaction or redemption.

Can I keep my Cash Back earnings if my account is closed?

If your credit card account is closed, your Cash Back earnings will automatically expire and cannot be redeemed. Please review and redeem your available Cash Back balance before closing your account.

Have more questions?

Find a Branch

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

Branch Closures

ONLINE & MOBILE BANKING

BANK ONLINE

ACCESS YOUR ACCOUNTS

ONLINE & MOBILE BANKING

BANK ONLINE

ACCESS YOUR ACCOUNTS

ONLINE & MOBILE BANKING

BANK ONLINE

ACCESS YOUR ACCOUNTS

Business Services

Contact Form - Japanese

PPP Loan Forgiveness Form

FHB Online Business Enrollment Form

PPP Loan Forgiveness Form

Careers FAQs

Have more questions?

Investing & Insurance FAQs

Have more questions?

Lending FAQs

Have more questions?

Business Banking FAQs

Online

By Phone

Online

By Phone

Have more questions?

Personal Banking FAQs

Online

By Phone

Online

By Phone

Online

By Phone

Have more questions?

Protect Yourself from Fraud

Log In