Understanding Overdrafts

Understand overdrafts and services First Hawaiian Bank offers

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Here’s what happens when you don’t have enough money in your account to cover a transaction

First Hawaiian Bank can cover overdrafts in two different ways:

  • We have standard overdraft practices that come with our accounts.
  • We also offer overdraft services, such as a link to a savings or money market account or Yes-Check®, an overdraft line of credit, which may be less expensive than our standard overdraft practices.

Our overdraft services

Standard Overdraft Practices

When an overdraft happens, our standard practice is to try to honor (or pay) the item rather than returning it unpaid.

Savings Link

Link your savings or money market account to your checking account to help protect against overdrafts.


Complement your debit card when making everyday debit card purchases with DebitPlus, a feature of our overall overdraft service.


Get a line of credit just for your checking account that will cover you whenever you write a check for more than your current balance.

Account Management Tools & Tips

Take advantage of our Account Management Tools to help keep track of your account balance and cleared transactions.


    An overdraft occurs when you write a check, make an ATM transaction, use your debit card to make a purchase, or make an automatic bill payment or other electronic payment for an amount greater than your Available Balance.

      Our standard overdraft services are discretionary, which means we don’t guarantee that we’ll always authorize and pay any transaction that overdraws your account. Our standard overdraft services generally come with your account (there is no application or approval process). However, for the DebitPlus feature, you need to opt in to authorize us to authorize and pay overdrafts for your everyday debit card or ATM transactions.

      Overdraft Protection automatically transfers available funds from a linked savings or money market account or a Yes-Check line of credit to cover overdrafts on your checking account. You must apply and be approved for Yes-Check or link an eligible savings or money market account in order to have this overdraft protection on your checking account.

        The best way to avoid overdrafts is to closely monitor your balances and all the transactions you make (including scheduled transactions such as automatic bill payments) and ensure that you never exceed the Available Balance in your account. A good idea is to always keep a “cushion” amount in your balance, just in case you fail to track a payment. We also offer several tools to help you keep track of your balances or cleared transactions, or to alert you via email if your balances dip below a threshold you determine.

          Our standard overdraft fee and non-sufficient funds return item fee for all types of transactions is $30.00 per item.

          Small Overdraft Waiver: Any transactions that create an end of day Available Balance that is overdrawn by $5.00 or less will not be assessed an OD or NSF return item fee.

          Daily Fee Limit: An account will not be charged more than five OD or NSF return item fees on any one day even if the number of overdraft or non-sufficient funds items exceeds five on that day. 


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