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    Disclosures

    1. Personal Priority Banking discounts and benefits cannot be combined with another promotional offer, program, or discount unless stated otherwise.
    2. Personal customers enrolling for Online Bill Pay (including Popmoney) must be 18 years or older. For Priority Banking fee waivers, you must have had an open Priority Banking checking account as of the last business day of the preceding month. For additional information about FHB Online and Mobile Banking, including fees associated with optional services, please see Terms & Conditions of FHB Online. You must have a mobile device with internet and a rear-facing camera with autofocus to use Mobile Deposit.
    3. To receive the benefit you must be a Priority Banking [Gold/Platinum] Checking Account customer  and identify yourself as such at the time of order. The benefit applies to your Priority Banking [Gold/Platinum] Checking Account only.
    4. To receive the discount you must be a Priority Banking [Gold/Platinum] Checking Account customer and identify yourself as such at the time of opening. Subject to box availability. Limit of one safe deposit box ("SDB") per Priority Banking Checking Account. The SDB contents are not insured by First Hawaiian Bank, the FDIC, or any other government agency. For existing SDB customers, the discount will not be prorated and will apply upon the next billing.

    5. To receive the benefit you must be a Priority Banking [Gold/Platinum] Checking Account customer and identify yourself as such at the time of service. The benefit will apply when you use the services of a Notary Public of First Hawaiian Bank. The benefit only applies to the documents that the account owner(s) sign.

    6. Applies to all incoming wire transfers deposited into your Priority Banking Platinum Checking Account.

    7. Except as stated below, First Hawaiian Bank will not charge you any fees for automated teller machine (ATM) transactions against your Priority Banking Platinum Checking Account. This fee waiver does not apply to the International Transaction Fee. When you use an ATM not owned by us, you may be charged a fee by the ATM operator and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer. These surcharges cannot be waived by First Hawaiian Bank.

    8. Subject to credit approval. Yes-Check must be connected to an Associated PB Platinum Checking Account that you own.

    9. To receive the fee waiver you must be a Priority Banking [Gold/Platinum] Checking Account customer and identify yourself as such at the time of purchase.  The fee is waived for one Cashier's Check per day.

    10. Preferred rate of 0.25% or 0.35% below regular rates. Subject to credit approval. The discounted rate does not apply to loans secured by First Hawaiian Bank deposit accounts or to existing loans. For new loans, you must identify yourself as a Priority Banking [Gold/Platinum] Checking Account customer when you submit your loan application.

    11. Preferred rate of 0.25% or 0.35% off the margin of the variable rate of the line of credit (discount does not apply to fixed introductory rates or fixed rate lock advances). Subject to credit approval. The preferred rate does not apply to existing lines of credit or HELOCs. Valid only if you and we agree to these terms in writing as part of your line of credit agreement(s), and will continue as long as you maintain your Priority Banking [Gold/ Platinum] Checking Account and eligible line of credit account in good standing with us. HELOCs are not available in the CNMI. To receive the discount, you must be enrolled as a Priority Banking [Gold/Platinum] Checking Account customer as set forth for each line of credit product type listed as follows: (a) Personal Line of Credit: When you submit your application and (b) HELOC: By final approval of your HELOC application.

    12. Subject to credit approval and loan funding. The discount applies to new Residential First Mortgage loan applications (including refinances). Applications submitted through a third-party mortgage loan origination company are not eligible. To receive this discount, you must be enrolled as a Priority Banking [Gold/Platinum] Checking Account customer when you submit your loan application.

    13. Applies to one MaxiMizer account that is an Associated Account.

    14. Accounts with a zero balance for 30 consecutive days will be closed automatically.

    15. Your combined balance for your Priority Banking Plan is calculated by adding the balance of your Priority Banking Account and qualifying balances from all Associated Accounts. An Associated Account is an account that is eligible to be associated with your Priority Banking Account.  Eligible types of accounts that you own in your individual capacity or as the trustee of your own revocable living trust will be automatically classified as an Associated Account.  Please see the Personal Priority Banking Plan Addendum (the “Addendum”) for additional details about Associated Accounts and how your combined balance is calculated.

    16. To receive the preferred rate you must be a Priority Banking Platinum Checking Account customer and identify yourself as such at the time of account opening. For existing CD customers, the preferred rate will apply upon the next renewal for any CD that is an Associated Account.

    17. The monthly service charge can be waived either by: (1) maintaining a specific combined balance, (2) setting up a direct deposit into your Priority Banking Checking Account in the minimum aggregate amount of $2,000 per statement cycle for Priority Banking Gold and $4,000 per statement cycle for Priority Banking Platinum, or (3) be enrolled in the Private Banking Program.