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).

The order in which we process transactions can affect the total amount of fees charged when an account is overdrawn. Transactions are processed and posted together at the end of each business day. We post all credits (such as deposits) before debits (payments from the account). For debits, guaranteed items (e.g., wire transfers, cashed checks, ATM withdrawals or everyday debit card transactions) are posted before those that are not (e.g., checks or ACH transactions).

Consumers that have a personal checking and a personal Regular Savings or Priority Savings, may link their checking to a savings account for the purpose of automatic overdraft protection. Like Yes-Check^®, if an overdraft occurs, it will trigger an automatic transfer from the linked savings to cover the overdraft.  An Overdraft Transfer Fee may apply for each automatic transfer from savings to cover an overdraft.

You may visit us at any branch or in writing by mail or secured email via FHB Online.

Personal Regular Savings accounts and Priority Savings are eligible. YesSavings, Christmas Club and IRA Savings accounts are not eligible. Custodial savings accounts (HUTMA, UGMA, etc.) are also not eligible.

You can change your Overdraft Service by calling 1-888-844-4444, mailing a written request or visiting a branch.

If you forgot your password, you can reset your password online by clicking on the "Forgot Your Password?" link at fhb.com or using the FHB Mobile app. We will ask you to verify your identity via security code or by answering your security questions.

Notary services are available by appointment only at most branches between the hours of 9am – 11am. Fees may apply for notary services.