Personal Banking :. Checking

Personal Checking Products and Services

At Central Pacific Bank there is a variety of personal checking accounts for you to choose from. For maximum benefits, click here for information about our Exceptional Plan.



Exceptional Plan

Our flagship checking account with a host of free services providing maximum interest and liquidity with a minimum combined balance of $10,000 in Central Pacific Bank qualifying deposit and loan accounts. Click here for more details.

 

Choice CheckingSM*

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

  • No minimum balance
  • No monthly service fee
  • Higher rate compounded daily
  • Unlimited check writing
  • 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 VisaŽ 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 $50 required to open a Choice Checking account; thereafter no minimum balance required and no monthly service fee. 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.



Gold Checking

Our value-added checking account for only $6 a month.

  • No minimum balance
  • Unlimited check writing
  • Interest is compounded daily
  • Check Imaging with statements
  • Free Loyalty or Beautiful Hawaii checks (one box per order)
  • Free Visa® CheckCard
  • Free Online Banking
  • Free Infoline telephone access
  • Identity Theft Protection
  • Payment Card Protection
  • $5,000 Travel Accidental Death Insurance
  • Emergency Travel Assistance Services
  • Dining Savings
  • Shopping and Services Discounts
  • Travel and Entertainment Discounts
  • Pharmacy, Vision and Hearing Savings Programs


Interest Checking

Earns interest with a modest minimum balance.

  • $1,000 minimum balance
    • $10 monthly service fee if minimum not maintained
                  or
    • $9 with direct deposit or Check Safekeeping
    • $8 with direct deposit and Check Safekeeping
    • $0 with direct deposit of Social Security checks
  • Unlimited check writing
  • Interest is compounded daily
  • Check Imaging with statements
  • Free Visa® CheckCard
  • Free Online Banking
  • Free Infoline telephone access


Checking Five-O

Designed exclusively for individuals age 50 years or better, this account pays interest but requires no minimum balance.

  • No minimum balance
  • No monthly service fee
  • Unlimited check writing
  • Interest is compounded daily
  • Check Imaging with statements
  • Free Visa® CheckCard
  • Free Online Banking
  • Free Infoline telephone access


Totally Free Checking**

A no-frills checking account designed to meet your basic banking needs. It provides you with all the convenience of a checking account without a minimum balance.

  • No minimum balance
  • No monthly service fee
  • Unlimited check writing
  • Check Safekeeping
  • Free Visa® CheckCard
  • Free Online Banking
  • Free Infoline telephone access

** 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.



 

Enhancements to Checking Accounts

Central Pacific Bank VISA® CheckCard

Get the convenience of a credit card without incurring finance charges. Your Central Pacific Bank CheckCard automatically deducts the amount of your purchase from your checking account and it's easier than writing a check. Accepted anywhere VISA is accepted.


Check-A-Loan***

Avoid the cost and embarrassment of an accidentally "bounced"check with a Check-A-Loan overdraft line of credit. Write yourself a loan from your personal Central Pacific Bank checking account or with your special Check-A-Loan Checks. Limits range from $500 to $10,000 upon approval. You'll have extra money when you need it and peace of mind. *** Upon approval.


Check Guard overdraft privilege

Check Guard is a service that may help you avoid returned item fees (normally assessed by merchants) by making courtesy payments to cover insufficient funds up to $500 on checks, ACH items, ATM, and debit card transactions. Whether insufficient fund items will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if an account is not in good standing, if the customer is not making regular deposits, or if they have too many overdrafts. For more information, click here.


INFOLINE Telephone Access

Conveniently access your account using any touch-tone telephone 24-hours a day. Use INFOLINE to:

  • Check your account balances
  • Transfer money between your accounts
  • Make selected Central Pacific Bank loan payments
  • Get current deposit / loan rates


Check Safekeeping

With Check Safekeeping, you receive your monthly checking account statement, without the hassle of keeping and filing your returned checks. We take care of that for you. And if you ever need a copy of a check, we will be happy to provide it at no charge (up to 10 check copies per month).

Why Check Safekeeping?

  • Save time and space since you won’t need to keep all your checks in your files or boxes at home.
  • Your canceled check records are secure at the bank, so there’s no need to worry about them being lost, stolen or damaged.
  • Get copies of your checks easily by calling your branch.


Check Imaging

Your checking account just got easier to manage with Check Imaging. It is safe, secure, reliable, space saving and convenient. The images of your checks will be listed in numerical sequence on your statement for easier checkbook balancing. Banking made easier and better for you!

Why Check Imaging?

  • Simplifies your checking reconcilement (sequential order)
  • Eliminates bulky storage
  • Accepted by all state and government agencies
  • Faster reproduction (should you ever need a copy, our system allows for quicker retrieval)
  • Convenient storage


Direct Deposit

Protect yourself from a lost or stolen check by having it automatically deposited into your Central Pacific Bank account. All government, social security, and many payroll checks are eligible.


Automatic Authorized Withdrawal

Avoid late payment fees by having your monthly bills (mortgage, telephone, electric, etc.) automatically deducted from your checking account.


Wire Processing

Our wire transfers provide a secure and efficient way to expedite movement of funds. And with our Funds Transfer Authorization process, faxed requests are accepted for your added convenience. Click here for details.