Each account has valuable options that can help you manage your money more easily and more conveniently, including:

• Yes-Check^SM Overdraft Protection*
  Protect your First Hawaiian checking account automatically against overdrafts. Yes-Check not available with the Military Appreciation Package or the FirstChecking^SM account. Call 643-LOAN (5626) to apply over the phone.
• CheckCard
  It's a debit card that works like a check, letting you buy goods and services more conveniently. Purchases are automatically deducted from your checking account.
• CheckStorage^SM
  Let us store images of your cancelled checks. Anytime you need a copy of a cancelled check, we can provide a copy usually within 48 hours of your request. Your monthly account statement will list all of your checks paid.
• Automatic Transfers and Payments
  Ideal for making monthly loan payments to First Hawaiian or making deposits into your savings account on a monthly basis at no charge.
• Direct Deposit
  Have your salary, retirement or Social Security payments deposited directly to your First Hawaiian checking account.
• 24-Hour ATM Banking
  Use your ATMCard, CheckCard, specially encoded First Hawaiian Visa® or MasterCard® to do your banking at any OTTO^SM ATM in Hawaii, Guam or the Commonwealth of the Northern Mariana Islands (CNMI). You also have access to your First Hawaiian checking account at ATMs around the world displaying the Cirrus® or STAR® symbols.
• FHB Online®
  With secured Internet access to more First Hawaiian accounts, you now have a choice of doing your banking wherever you want, whenever you want -- from home, the office or anywhere you have access to the Internet, day or night, seven days a week. You can view balances and transactions for most accounts, make single and recurring transfers between you First Hawaiian Bank accounts as well as view and print copies of your cleared checks with CheckImage^SM and print and save copies of your checking account statement electronically with eStatements^SM.
• Online Bill Payment
  For just $5.99 per month you can add the benefits of Online Bill Payment to the other great features available to you through FHB Online. With Online Bill Payment you can make single and recurring payments to almost anyone in the U.S., schedule payments up to 365 days in advance as well as review, change and cancel payments. It's the ultimate in banking convenience.
• TellerPhone® Bill Payment and Funds Transfer Service
  Pay bills and transfer funds between your First Hawaiian accounts using a touch-tone phone, anytime 7 days a week. To sign up, visit any First Hawaiian Bank branch or call 844-4040. (Neighbor Island residents call 1-800-272-5286.)
  (A First Hawaiian checking account is required. Not available in Guam and the Commonwealth of the Northern Mariana Islands.)
• Combined Statement
  Makes recordkeeping easy by giving you a detailed summary of all activity in your checking account and your other First Hawaiian accounts you designate.
• AskAnyDay^SM Statement
  Get an up-to-date checking account statement from any OTTO ATM, anytime of the month. It reports all account activity since your most recent monthly statement, up to the previous business day.

*Subject to credit approval. A finance charge is applied to outstanding Yes-Check balances.