You PIN number will be automatically mailed to your address on file when you receive a new credit or debit card.
If you know your current PIN and would like to change it, please call (808) 844-4321 or (800) 545-6300 from a touch tone phone, 24 hours a day, 7 days a week. Press #1 and you will be able to select your new PIN number.
For Branch locations and hours use our ATM and Branch locator. Alternatively, you may use our mobile banking service found here or contact our Customer Call Center at 1-888-844-4444.
We have standard overdraft services that come with our checking accounts. We also offer overdraft protection plans, such as a link to a savings account or Yes-Check, which is a line of credit that you can apply for to help cover overdrafts.
At the Bank’s discretion, we may authorize and pay overdrafts on certain types of transactions including checks, automatic bill payments, recurring debit card transactions and other types of overdrafts using your checking account number. A fee generally applies whether the overdraft item is paid or returned.
You can contact the Bank if you want to opt out of overdraft services for checks and automatic bill payments. If you do opt out and if such items come in against non-sufficient funds, they will be returned unpaid (“bounced”) and you will generally be assessed a non-sufficient funds (NSF) fee.
If the bank pays your overdraft, this may help you avoid embarrassment, fees, finance charges, late charges and other consequences by the payee (e.g., merchant, landlord, creditor, etc.).
You must repay the overdraft promptly. If you do not clear your overdraft within seven calendar days a continuing overdraft fee will be assessed.
Your Current Balance is your balance at the start of the day, plus or minus the transactions for that day. Your Available Balance is your Current Balance minus holds on your funds. Holds include deposits with a hold on the amount and debit card holds for pending purchases or payments using your debit card. Please note that for certain types of debit card transactions, some merchants obtain authorizations for a partial amount (such as gas stations) while others may be for a greater amount (such as restaurants) of the purchase.
An OD fee is assessed when the bank pays (or honors) an overdraft item. An NSF fee is assessed when the bank returns (or bounces) an item unpaid due to non-sufficient funds. Your statement will list these fees as “ODF FEE - PAY” (overdraft fee for an item paid) or “NSF FEE - RET” (non-sufficient funds fee for an item returned).
