Business Banking :. Checking

Business Checking Services

At Central Pacific Bank we have a variety of business checking accounts to meet your business banking needs. For maximum benefits, click here for more information about our Business Exceptional Plan.



Business Exceptional Checking

Our business checking account with a host of free services providing flexibility, choice and value. With a minimum combined balance of either $30,000 or $50,000 in qualifying deposit and loan (except mortgage and home equity loans) accounts, the Business Exceptional Plan is everything a business needs. Click here for more details.

Totally Free Business Checking

Why pay for features you don't need? Totally Free Business Checking saves you money with no monthly fees and no minimum balance to maintain. Perfect for small business owners just starting out or who process a limited number of items (checks and deposits) per month.

Simplified Business Checking

A checking account that features a low minimum balance. It’s easy, economical, convenient and ideal for small businesses with fewer monthly transactions and basic financial needs.

  • Up to 150 deposits or checks paid per month
  • $1,000 minimum daily balance
  • Check Imaging service
  • Free Visa® CheckCard
  • Free Online Banking

Choice CheckingSM for Sole Proprietors*

An interest earning checking account where you can earn a higher interest when monthly requirements are met.

  • Higher rate compounded daily
  • Up to 100 deposits or checks paid per month
  • $500 minimum daily balance
  • Low monthly service fee if daily minimum balance is not met
  • Check Safekeeping service (e-statements when available)
  • Free Visa® CheckCard
  • Free ATM access in Hawaii and Nationwide*
  • Free Online Banking

Earn a higher interest rate when you meet these monthly requirements:

  • 15 purchases with your Central Pacific Bank Visa® CheckCard
  • Direct deposit to your account
  • Automatic payment from your account
  • Enrollment and login to Online Banking
  • Check Safekeeping service


* Higher interest rate and Annual Percentage Yield (APY) will be paid on balances up to $25,000 and Central Pacific Bank will reimburse you up to $3 per transaction for any ATM surcharge incurred on your Choice Checking account nationwide, up to $20 per month, if your account meets the required transactions during the calendar month: at least 15 Central Pacific Bank Visa® CheckCard purchases, one automatic payment, one direct deposit, and enrollment and login to Central Pacific Bank's Online Banking. Balances over $25,000 and accounts that do not meet the required transactions during the calendar month will earn a lower rate. Rates are variable and subject to change at any time after the account is opened. Minimum deposit of $100 required to open a Choice Checking for Sole Proprietors account; thereafter a $500 minimum daily balance required and subject to a monthly service fee if daily minimum balance is not met. To qualify, you must provide and maintain a valid e-mail address. Check Safekeeping service is required and will be automatically converted to e-statements (online statements) when available.  

Analyzed Business Checking

Enables larger companies with high activity to minimize costs while maximizing financial resources. With high activity and multiple financial needs, our Analyzed Business Checking account and an earnings credit for higher balances. Analyzed checking is productive and on a fast track working for you!

Performance Business Checking

With competitive rates and accessible funds, our tiered interest checking account with a low minimum balance is designed for Sole Proprietors, Fiduciaries and Non-profit Organizations.

 

Checking Enhancements


Zero Balance Accounts

This account relationship structure helps you to better manage your cash position on a daily basis by consolidating balances into one account. An inexpensive way to efficiently concentrate daily deposits, saving you time and money.

Business CheckCard

Get the business card that works like a check and is accepted everywhere Visa cards are welcome. With no annual fee, your Business CheckCard offers the convenience and control you need to handle all of your business purchasing needs. (Upon approval)

Business Check-a-Loan

Avoid the cost and embarrassment of accidentally bouncing a check. With Business Check-a-Loan overdraft line of credit, you'll have extra money when you need it and peace of mind.

Deposit Services

  • Night Deposit Service. Any time day or night, make your deposit at many of our convenient branch locations.
  • Cash Vault Service. Our Cash Vault can receive deposits through Armored Car Delivery and provide you with Change Order Funds for both your deposit and currency needs.
  • Deposit Pick-up Service. Transport your deposits to our Cash Vault via an Armored Car or Courier Service. Receive same day credit on all deposits when received prior to the processing deadline. Safe, convenient and flexible.