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Joint Accounts
Achieve more together.
Our Convenience Checking account is designed to help you and your partner manage your finances seamlessly and reach your goals faster.
Ready to open a joint account?
It’s fast and easy. Plus, you could earn $1001 when you open a Convenience Checking account online and meet promotional requirements.
Earn $1001 with a Convenience Checking Account when you open online and meet bonus requirements
Start your financial journey together with a cash bonus.
Here’s how it works
- Open a new Convenience Checking account online
Open your account online with an initial deposit of at least $500. For accounts opened online only. - Set up your direct deposit
Make Qualifying Direct Deposits1 totaling $2,000 or more within 60 days of opening your account. - Get rewarded
Receive your $100 bonus within 120 days from account opening when you meet qualifying requirements. Bonuses are limited to one per account per customer. This offer cannot be combined with other checking promotions. Early closing fees apply.
Additional Resources
Earn up to 7x more than the average savings rate*
Plus, lock in an even higher rate for the first 90-days when you qualify for our Bankohana Savings Special. See how much you can earn!
*Based on the FDIC’s national rates for savings accounts. Accurate as of 4/21/2025.
1 Eligibility
To be eligible for a new checking account bonus, you must open a new Convenience Checking account (“Account”) online and meet the respective requirements outlined in the table below. See the Initial Opening Deposit and Qualifying Direct Deposit sections below for the definitions of an Initial Opening Deposit and a Qualifying Direct Deposit.
Table 1
| New Checking Account | Opened on or after… | …via | … with Initial Opening Deposit of… | … and have Qualifying Direct Deposits of… | … are eligible to receive a bonus amount of |
| Convenience Checking | 5/28/2024 HST | Online | $500 | $2,000 | $100 |
If qualifications are met, a bonus will be applied directly to your Account within 120 days of your Account’s open date. Your Account must remain open and be in good standing at the time of the bonus award. If your Account type is changed or if your Account is closed before the bonus is awarded, you will not receive the bonus. Limit one bonus per account and per customer. If an account is jointly owned and qualifies for the bonus, we consider the award as being granted to both owners and will satisfy the limit of one bonus per customer. This offer cannot be combined with other checking promotions. Offer is subject to change without prior notice.
Initial Opening Deposit
An Initial Opening Deposit is defined as the deposit made during the account opening application process. Any deposits made after the account opening process is completed are not considered as part of your Initial Opening Deposit, even if transactions are made on the same day as account opening. Although the minimum deposit to open a Convenience Checking account is $25, a higher Initial Opening Deposit of $500 is required to qualify for the Convenience Checking bonus. See Table 1 above. Your Initial Opening Deposit does not count towards the Qualifying Direct Deposits requirement.
Qualifying Direct Deposits are defined as certain incoming ACH credits posted to your account, which can include electronic deposits made from your employer or another payer, such as your salary, pension, or Social Security benefits. The deposit method is determined by the sender of the credit, and Bank of Hawaii (“the Bank”) will rely on this information to determine a Qualifying Direct Deposit. The Bank has sole discretion to determine what a Qualifying Direct Deposit is for purposes of this promotion.
The following types of transactions are examples of what are NOT considered Qualifying Direct Deposits:
- All Initial Opening Deposits of checking accounts
- Peer-to-peer transfers processed as an ACH credit (such as Venmo, PayPal, etc.)
- Zelle transfers
- Deposits made at a teller, ATM, or through the Bank of Hawaii mobile app
- Internal transfers from another Bank of Hawaii account
- Incoming wires
If you fail to meet the Qualifying Direct Deposit requirement within 60 days from account opening, you will not receive the bonus.
1099 Issuance
A 1099-INT form will be issued from Bank of Hawaii to the primary accountholder for the value of bonus applied to your Account. You are responsible for any and all taxes and fees associated with the credit awarded from this promotion.
About Your Checking Account
| Checking Account Type | Minimum Deposit to Open | Monthly Service Fee | Minimum Balance to Earn APY | Variable APY |
| Convenience | $25 | $5 | N/A | N/A |
Convenience Checking accounts closed within 180 days of account opening will be assessed an early closing fee of $40.
For further details on these accounts, please see the Outline of Basic Terms & Conditions, Consumer Checking and Savings Account Fee Schedule, and Bankohana Addendum available at a branch or at boh.com/agreements.
2 Debit Card Requirements and Other Restrictions:
- Must have a Bank of Hawaii checking account
- Must be 16 years or older
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