What happens if I set up an External Transfer but do not have sufficient funds in my account on the "send date?"

If, on the "send date,” the balance in your account is insufficient to make an External Transfer you authorized, we will delay the transfer and try again on the next Business Day. If there is still an insufficient balance to make the transfer, we may either refuse to pay the item, or we may make the transfer and overdraw your checking account.

What is the cut-off time to submit an External Transfer?

The cut-off time for submitting External Transfers is 7:00 p.m. Hawaii Standard Time each Business Day. External Transfers submitted after 7:00 p.m. Hawaii Standard Time or on weekends or holidays will be processed the next Business Day. Any updates to an existing transfer must be made before the cut-off time on the scheduled transfer date. A Business Day is every calendar day except for Saturdays, Sundays and bank holidays.

When are External Transfers processed?

External Transfers will be processed on the date you specify and the expected delivery date is displayed as you are creating the transfer. Transfers can also be scheduled up to a year in advance. External Transfers scheduled to process on a weekend or holiday will be processed the previous Business Day.

Can I set up recurring or future-dated External Transfers?

Yes, External Transfers may be scheduled up to 365 days in advance of the date the transfer is to be made (called a "Single External Transfer"). Automatic Recurring External Transfers may also be scheduled for substantially at regular intervals (e.g., weekly, monthly, annually) in the same amount between the same two accounts (called a "Recurring External Transfer").

What is the maximum External Transfer amount I can make between accounts?

The maximum daily amount allowed for external transfers is either the current available balance in the source account (plus any available credit in an associated Yes-CheckSM line of credit) or based on the chart below, whichever is less. This includes any single transfer or the total amount outstanding or "in process". For additional information, see below:

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