Help protect yourself by linking your savings account to your checking account
Automatic overdraft protection
This service works by automatically transferring available funds from your savings to your checking account when an overdraft on your checking account occurs*. Once the link has been set up, the balances in your savings account will help cover these unexpected overdrafts.
You will automatically receive a mailed notification whenever a transfer from your savings to your checking account occurs due to an overdraft. This notice will detail the date and amount of the transfer.
How to sign up
You can link your savings account for overdraft protection by visiting any branch.
Or, if you prefer, you can send authorization in writing to your branch of account or send us a secure message through FHB Online instructing us to link the accounts for overdraft protection.
Please note that overdraft protection via a linked savings account cannot be combined with a Yes-Check line of credit to protect the same checking account.
* An overdraft transfer fee for overdrafts that are covered by a transfer from your linked savings may be assessed on your checking account. Please see the Schedule of Charges and Other Information for Personal Deposit Accounts for more information.