How do I get my PIN number and can I change it?

Submitted by paul-ciandt on Wed, 02/03/2021 - 13:36

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.  

What if I don’t want FHB to pay my checks or bill payments into overdraft?

Submitted by paul-ciandt on Mon, 02/01/2021 - 16:08

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.

How is my Available Balance determined?

Submitted by paul-ciandt on Mon, 02/01/2021 - 16:06

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.

What is the difference between an overdraft fee (OD) and a non-sufficient funds fee (NSF)?

Submitted by paul-ciandt on Mon, 02/01/2021 - 16:05

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).

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