Personal Checking Products and Services

• No minimum balance
• No monthly service fee
• Check Safekeeping
• Free first order of 50 checks

Plus Package Option
Add Plus Package to this account for only $4.95 per month and get:

• Free ATM use anywhere in Hawaii and on the mainland. We'll reimburse you up to $3 per transaction, up to $20 per month, for ATM surcharges incurred on your Totally Free Checking account.
• Plus all the great benefits of the Member Benefits program. Learn more about Member Benefits.

¹ Some non-CPB ATMs may impose surcharge fees that are separate from non-CPB transaction fees described above. Such ATMs should disclose these surcharge fees at the beginning of the transaction.
* Does not include cost of checks. There is no monthly service charge on this account. However, please refer to our Schedule of Fees for information on other fees, such as insufficient funds fees which may be assessed to your account.

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ACCOUNT INFORMATION

• No minimum balance requirement
• No monthly service fee

SUPER BANK BENEFITS

• Earns interest ¹
• Free Online Bill Pay
• Free first order of 50 checks
• No transaction fee for non-CPB ATM use ²

MEMBER SECURITY BENEFITS – ID ProtectALL

• Payment card protection
• Personal identity theft protection - 6 months free Identity Guard®
• $1,000 personal ID theft victim assistance

BIG BONUS BENEFITS

• Higher interest rate on balances up to $25,000 ¹
• Freedom from ATM surcharge fees -- we pay your surcharge fees up to $3 per transaction, up to $20 per month, when you use any ATM in Hawaii and on the mainland ^{1, 2}

Simply meet these Easy Monthly Requirements:

1. One direct deposit
2. 15 CheckCard purchases posted to your account
3. Check Safekeeping service

If Easy Monthly Requirements are not met, you’ll still earn our base interest rate.

Annual Percentage Yield (APY)	Minimum Balance to Open	Minimum Balance to Obtain APY	Compound/ Interest Paid
0.80%	$50	$1	Daily/Monthly
0.05%	$50	$1	Daily/Monthly

Fees may reduce earnings. Interest rate and annual percentage yield subject to change on a daily basis.

Plus Package Option
Add Plus Package to this account for only $4.95 per month and get:

• Free ATM use in Hawaii and on the mainland without having to meet Monthly Requirements³
• Increased benefit of up to $2,500 personal identity theft victim assistance
• Plus all the great benefits of the Member Benefits program. Learn more about Member Benefits.

¹ A higher interest rate will be paid on balances up to $25,000, and reimbursement up to $3 per transaction, up to $20 per month, will be made for any ATM surcharge fees incurred on your Free Plus Checking account for ATM usage nationwide, if your account meets the Easy Monthly Requirements during the calendar month. Balances more than $25,000 and accounts that do not meet the posted transactions during the calendar month will still earn a lower interest rate.
²Some non-CPB ATMs may impose surcharge fees that are separate from non-CPB transaction fees described above. Such ATMs should disclose these surcharge fees at the beginning of the transaction.
³We'll reimburse you up to $3 per transaction, up to $20 per month, for ATM surcharges incurred on your Free Plus Checking account for ATM usage nationwide.