• To check your balance by phone, call your branch at the number listed on your statement or our 24/7 automated voice service at 808-844-4444 or toll-free at 1-888-844-4444.  You can also log in to FHB Online Banking or the FHB Mobile app to quickly, and conveniently view your account balances at any time.  To enroll, go to fhb.com/enroll or download the FHB Mobile app.

To update or reset your PIN, please do one of the following:

• Reset your PIN in the FHB Mobile App     
  • Login to your FHB Mobile App and select your credit card or the checking account associated with your debit card     
  • Tap 'Account Details’     
  • Tap ‘Manage Card Account’     
  • Select ‘Set Up PIN’ from the drop-down menu
• If you know your current PIN and would like to change it, you may also contact (808) 844-4321 or 1-800-545-6300. You will be asked to identify yourself using your current PIN before you can reset your PIN.
• Contact FHB Customer Service Daily 7AM – 7PM HST at (808) 844-4444 or Toll-Free (888) 844-4444 

When opening a new credit or debit card account, your PIN will be mailed to your mailing address on file. It will be mailed separately from your card for security purposes and should arrive a day or two after your new card is received.

If you have not received your PIN after more than the timeline above, please contact FHB Customer Service Daily 7AM – 7PM HST at (808) 844-4444 or Toll-Free at (888) 844-4444 or visit the nearest branch for assistance. 

There are many ways, including:

• FHB Online® - transfer funds between First Hawaiian Bank accounts, to accounts at other financial institutions or to accounts belonging to other people. In addition, if you sign up for the optional Bill Payment feature, you can pay all of your bills online in one place.

Note: Some features have additional fees. See terms & conditions for details.

• Cash withdrawals from First Hawaiian Bank ATMs and other ATMs
• Transfers between linked accounts at First Hawaiian Bank ATMs
• Make purchases at participating merchants using your debit card
• Personal checks
• Transactions with a branch teller

Additional transaction fees may apply. Refer to the disclosures you received at account opening or inquire at a First Hawaiian branch.

• To check your balance by phone, call your branch at the number listed on your statement or our 24/7 automated voice service at 808-844-4444 or toll-free at 1-888-844-4444.  You can also log in to FHB Online Banking or the FHB Mobile app to quickly, and conveniently view your account balances at any time.  To enroll, go to fhb.com/enroll or download the FHB Mobile app.

To avoid holds, you can use:

• Direct deposit: You can avoid having a hold placed on your check by using direct deposit instead. If you have recurring income like a paycheck, pension payment or Social Security check, arrange to receive it by direct deposit.
• Cash deposits made at a teller window are usually made available no later than the next business day.

A hold means that although we’ve received your check for deposit, you won’t be able to use the funds until the hold period has expired. Depending on the type of check that you deposit, funds may not be available until the third business day after the day of your deposit. However, the first $225 of your check deposits will be available on the first business day after the date of your deposit. If the deposited item is returned unpaid before the hold expires, those funds will not be made available to you. If the deposited item is returned after the hold expired, we charge your account for the amount of the item. Holds are placed to help protect both you and us from losses that could occur when a deposited item is returned unpaid. Situations that typically cause a check to be held include:

• There is reason to believe the funds may be uncollectible
• The source of the check (e.g., foreign checks)
• The account is a new account (new account rules apply for the first 30 days the account is open)
• The account has repeated overdrafts in the last 6 months
• You deposit checks totaling more than $5,525 on any one day
• Fraud is suspected
• Emergency situations, including computer or communication failure. Incorrect routing or account number information on a deposit slip

The speed with which we make your deposited funds available depends on a number of factors, including how, when, and where you made your deposit. For example:

• Direct Deposit: First Hawaiian Bank credits your account on the day the deposit is scheduled to occur. In most cases, a direct deposit is the fastest and easiest way to get funds into your account. Also, direct deposits are free.
• Wire Transfer: First Hawaiian Bank credits your account the day we receive it. Wire transfers typically have to be set up for each transfer. In most cases, there is a fee for sending or receiving a wire transfer, but it can be worth the expense since you know the money will be there when you need it.
• Cash with a Teller: Funds are available no later than the next business day.
• Checks: A hold may be placed on your deposit, depending on the type of check. If you're not sure, ask your teller when the funds you deposited will be available. 

To make a deposit by mail, send your check(s) to your branch of account. Please use our branch locator to find your branch of account’s address. Please do not mail cash.

• In FHB Online & Mobile Banking, you can use External Transfers to transfer money to your FHB checking account from your accounts at another bank.  Learn more about External Transfers.
• The FHB Mobile app allows you to mobile deposit checks up to $10,000 per business day into your FHB checking account.  Learn more about Mobile Deposit.

• Cash, check, and coin deposits are accepted at all First Hawaiian Bank branches. Please see a teller to conduct your deposit.
• Cash and check deposits are accepted at most First Hawaiian Bank ATM’s.
• Wire transfers are accepted into personal and business accounts; however incoming wire fees may apply.
• Electronic Funds Transfers (EFT’s) such as direct deposits from employers or other businesses are accepted into personal and business accounts at no charge from First Hawaiian Bank.
• Check deposits are accepted via mail to your branch of account. Please allow additional time for processing delays due to mail time. 

The sample check graphic below shows where the ABA routing number can be found on your check. The routing number is the first nine digits on the bottom left hand side of the check.

An Item Enclosure fee is charged when you receive a copy of your canceled checks with your statement. You may request to be added onto CheckStorage to avoid the Item Enclosure fee by contacting our customer service line at 1-888-844-4444.

A Check Image Service fee is charged for returning images of your canceled checks with your monthly statement. You can receive an online version of your statement which includes images of your canceled checks at no cost. To enable eStatements, login to FHB Online Banking and select your account, then click the Online Statement link.  Follow the prompts on the screen to enable eStatements for each of your accounts.  To enroll for FHB Online, go to fhb.com/enroll. Learn more about eStatements.

• You can request a stop payment on a personal check at any branch or by calling 1-888-844-4444.
  You will need to provide the following information:
  • Check number and/or amount
• Check Stop Payments - Unless removed, this order will expire 6 months from today.  
• Recurring EFT Stop Payments - Unless removed; this order will remain indefinitely

Please note that all the information provided by you must be exactly correct or the stop   payment may not be effective.  This order will not be effective if the bank has already cashed the item or is already committed to honor the item. A stop payment cannot be placed on an item that has already been presented. A fee of $30.00 will be charged to your account for this stop payment.    

• To check your balance by phone, call your branch at the number listed on your statement or our 24/7 automated voice service at 808-844-4444 or toll-free at 1-888-844-4444.  You can also log in to FHB Online Banking or the FHB Mobile app to quickly, and conveniently view your account balances at any time.  To enroll, go to fhb.com/enroll or download the FHB Mobile app.

A scheduled transfer is a way of automatically moving money from your checking account to another checking or savings account each pay period.

To set up your Automatic Transfers, simply sign in to FHB Online service and click the "Transfer Funds" tab at the top of the page. Or, you can visit your nearest branch, where an associate will be happy to assist you.

You can enroll in Mastercard's ID Theft Protection by clicking "Activate Now" on the page here.

There is no charge for direct deposit.  First Hawaiian Bank’s direct deposit is free of charge. No fee to setup direct deposit to any of your First Hawaiian Bank personal accounts - checking, savings, or money market account.

With your First Hawaiian Bank account number and the bank’s routing number or a voided check, go to your employer or the funding entity and request direct deposit. Most direct-deposit requests can be implemented by your next payday.

Direct deposit automatically places your paycheck, pension, Social Security, or other regular monthly income into your checking, savings, or Money Market account. It's convenient, secure, and saves trips to your branch.

You can go to FHBDestinations.com to view your Priority Miles balance and to make redemptions.

Your Priority Miles will remain active as long as you continue to use your Priority Destinations MasterCard for purchases or redeem your Priority Miles. Your Priority Miles will expire 2 years from your last purchase or your last redemption, whichever was most recent.

There is no cap on Priority Miles, so you can earn as many Priority Miles as you want.

(for World MasterCard cardholders): For more information on any of the travel, insurance, and retail protection services, see the Guide To Benefits that came with your Priority Destinations World MasterCard, or call 1-888-457-8537.

(for World Elite MasterCard cardholders): For more information on any of the travel, insurance, and retail protection services, see the Guide To Benefits that came with your Priority Destinations World Elite MasterCard, or call the VIP Desk at: 1-888-210-6123.

You can apply for Priority Destinations World Elite MasterCard at any First Hawaiian Bank branch or online at fhb.com. We no longer accept new applications for Priority Destinations World Mastercard.

You can redeem your Priority Miles by visiting FHBDestinations.com. If you do not have internet access, you can call:

1-877-668-4662 (World cardholders)

1-877-676-5171 (World Elite cardholders)
 

Yes, either the primary or joint cardholder may redeem their combined CashPoints for their choice of rewards.

Yes, you may transfer your CashPoints to a friend's or family member's account by using the Transfer CashPoints page. The transferred CashPoints are set to the expiration date of the account receiving the CashPoints. To transfer your CashPoints, please log on to the website at www.fhbrewards.com, navigate to the Transfer CashPoints link on left navigation menu, and enter the recipient’s Priority Rewards card account number and last name.

The Priority Rewards^SM Credit Card earns you one (1) CashPoint^SM for every one ($1) dollar of net purchases. Cash advances and balance transfers do not qualify to earn CashPoints. Please refer to the Priority Rewards Program FAQs for more information on the Priority Rewards Program.

There is no cap on the amount of CashPoints you can earn per year on your personal Priority Rewards account.

No, our Priority Rewards program is unique to First Hawaiian Bank and you cannot combine them with airline frequent flyer miles or other loyalty programs to make redemptions or upgrade tickets.

Priority Rewards MasterCard accounts have the option of redeeming for a check or statement credit. Checks are made out to the primary and secondary (if applicable) cardholder on the account.

Yes, please call the Redemption Center at 1-800-868-2856.

YES! To receive airline frequent flyer miles, you should provide your airline frequent flyer number to the agent when you redeem your CashPoints. You must work directly with the airline in question if you forget to provide your frequent flyer number or in cases of any discrepancies.

You may redeem the appropriate level of CashPoints for any destination or class of service. Once a ticket is purchased by the Redemption Center, any upgrades or changes must be made between you and the airline which issued the ticket.

Your CashPoints will expire 24 months from your last credit card purchase or your last redemption, whichever is most recent. Transferred (gifted) CashPoints are set to the expiration date of the receiving account and do not count as redemption activity for the originating or receiving account.

You can log-on to our Redemption Website at www.fhbrewards.com or call our Redemption Center at 1-800-868-2856.

The details of your purchases and the number of CashPoints earned will be shown on your www.fhbrewards.com account. You will also be sent monthly email CashPoints statements to the email address you provide in your www.fhbrewards.com account profile.

Logging on to www.fhbrewards.com is fast and easy:

If you are a New User:

• Go to http://www.fhbrewards.com
• Click on the "New User" link and register your card information
• See your CashPoints and view available rewards.
• Point...Click...Redeem!
   

If you are a Returning User:

• Go to http://www.fhbrewards.com
• Enter chosen User NameEnter chosen Password
• If you don't know your information, click on "Forgot?" and a temporary username or password will be emailed to you.

You'll receive CashPoints for qualifying purchases. Once you accumulate enough CashPoints, you can redeem them for your choice of rewards like gift cards, airline travel, hotel accommodations, cruises, even cash! Use your card for everyday purchases and watch your CashPoints add up!

You should have received an email notification with a link to “Verify Deposits”. You will be taken to a page where you will need to verify your identity. Once verified, you will be asked to enter the two small deposit amounts you received in your external account to complete the verification process. If you need additional assistance, please call us at (808) 844-4545 or toll free at (800) 894-5600, Monday to Friday from 8am - 5pm HST.

Please contact us at (808) 844-4545 or toll free at (800) 894-5600, Monday thru Friday between 8am – 5pm for assistance with your application.

Please confirm that the checking or savings account you are funding from has a higher available balance than the total deposit amount for your new account(s). If it doesn’t, you can either choose to fund from your account at another bank or by mailing in a check. If your current available balance is higher than your funding amount and you are still receiving an error, please contact us at (808) 844-4545 or toll free at (800) 894-5600, Monday to Friday from 8am - 5pm HST for assistance.

Once your new checking or savings account is opened online, you can enroll for and login to FHB Online Banking to view your new account and the full account number. You also receive a confirmation email with a link to view your new account(s). You will be taken to a page where you will need to verify your identity. Once verified, you can view detailed information about your new account(s).

Please contact us at (808) 844-4545 or toll free at (800) 894-5600, Monday to Friday from 8am - 5pm HST for assistance with opening a personal checking, savings or eCD account online.

If you ordered checks or a debit card when you opened your new account online, they should arrive within 10-12 business days to Hawaii, Guam or Saipan addresses.

If your account has already been opened and you want to order checks for the first time, please call our customer service at (888) 844-4444.

If you do not remember if you chose to order checks or a debit card during the online account opening process, please refer to your confirmation email with the link to view your account(s). From there, you will be taken to a page where you will need to verify your identity. Once verified, you can view detailed information about your new account(s) including if checks or a debit card was ordered. If you need additional assistance, please call us at (808) 844-4545 or toll free at (800) 894-5600, Monday to Friday from 8am - 5pm HST.

Yes-Check links your First Hawaiian Bank checking account to a line of credit – and automatically transfers available funds when your checking account doesn't have enough money to cover your transactions. This service gives you the flexibility to make payments when you don't have enough money in your checking account at the time of the transaction.

Yes, if the available balances in your checking account and Yes-Check are not enough to cover an item, you may be still be charged an Overdraft Fee (OD) or Non-Sufficient Funds (NSF) Return Item Fee.

No, you must apply for a separate Yes-Check line of credit for each checking account.

Please see a Customer Service Representative at a First Hawaiian Bank branch for current Rates and Fees.

You can apply for Yes-Check by visiting any First Hawaiian Bank branch.

To activate your card, please do one of the following:

• Contact the number on the sticker on your new card.
• Activate in the FHB Mobile App     
  • Login to your FHB Mobile App and select your credit card or the checking account associated with your debit card     
  • Tap 'Account Details’     
  • Tap ‘Manage Card Account’     
  • Tap ‘Activate Card’

If you suspect fraud on your account, please contact our 24 hour fraud service at (866) 686-4228 to report the transactions and request a replacement card. You may also opt into card alerts to monitor your account and transaction activity. 

Yes, please inform FHB of your travel plans so that we can minimize cardholder disruption while you are traveling. To notify FHB of upcoming travel, please do one of the following:

• Set up a Travel Alert in the FHB Mobile App. This is available for travel starting in the next 30 days.     
  • Login to your FHB Mobile App and select your credit card or the checking account associated with your debit card     
  • Tap ‘Account Details’     
  • Tap ‘Manage Card Account’     
  • Select ‘Set Up Travel Alert’ from the drop-down menu     
  • Select domestic or international travel and input your travel details     
  •  Tap ‘Enable Alert’
• Login to FHB Online Banking and send us a secure message by going to ‘Messages’ then select ‘Travel Notice’ as the message category.
• Contact FHB Customer Service Daily 7AM – 7PM HST at (808) 844-4444 or Toll-Free at (888) 844-4444.

To access or request a copy of your credit card statement, please do one of the following:

• If you are enrolled in e-statements, you may access your credit card statements in FHB Online Banking. See instructions here.
• Contact FHB Customer Service Daily 7AM – 7PM HST at (808) 844-4444 or Toll-Free at (888) 844-4444 or visit the nearest branch for assistance.  Additional fees may apply.
• For iOS users, you may access your credit card statements in the FHB Mobile App     
  • Login to your FHB Mobile App and select your credit card     
  • Tap ‘Account Details’     
  • Tap ‘Manage Card Account’     
  • Tap ‘View Statements’ from the drop-down menu

First Hawaiian Bank constantly strives to ensure the security of your account. If your card is ever lost or stolen, please contact us immediately through our 24 hour customer service line at (808) 847-4444 on Oahu, or toll free at 1 (800) 342-2778. This will prevent further transactions from being authorized on your card.

Your credit card expires on the last day of the month indicated on your credit card. Normally, replacement credit cards are sent during the month prior to the expiration date of your card. If your current card has expired and you did not receive your replacement, please contact us immediately by calling the number on the back of your card or on your statement. If you don’t have the numbers handy, our 24 hour customer service line is 1-800-342-2778. We will assist you in ensuring the safety of your account and help you order a replacement card.

Credit card customers can make a payment every 15 days using our fast, easy, and convenient phone payment service called "Quick Remit" by dialing the number on the back of your card. The availability of this service may be extended to once every 60 days if your last Quick Remit payment is returned. Payments must be made before 5:00pm Eastern Standard to reflect same day crediting. All payments made after 5:00pm EST will be credited as of the following business day. 

Use your Priority Unlimited Mastercard^® on purchases and automatically earn Cash Back. Cash Back will be earned when eligible transactions post to your account. You will earn 2% Cash Back on qualifying purchases if you have an additional qualifying FHB account OR 1.5% Cash Back if you do not. To qualify to receive 2% Cash Back on purchases, your additional qualifying FHB account must be open and in good standing when the transaction posts.  

Cash Back can be redeemed as a statement credit through on-demand redemption, automatic monthly redemption or Mastercard Pay with Rewards^TM, so long as your account is in good standing at the time the redemption is made.

MasterCard Pay with Rewards is a program that allows you to redeem statement credits towards eligible purchases.

When you redeem Cash Back, you will have to enter the amount you wish to redeem. The minimum redemption amount is $25.00. Cash Back cannot be bought, sold, or transferred.

A qualifying FHB account is any FHB personal deposit account (checking, savings, CD, IRA), mortgage, home equity loan, HELOC, or private banking relationship. You must be an owner of the qualifying account. Agents, beneficiaries, custodians, guardians, personal representatives, guarantors, and other types of non-owners are excluded.  Cash Back is accumulated when eligible transactions post to the cardholder’s account.

The latest program agreements are available online at fhb.com. Click here for Priority Unlimited.

You can earn unlimited Cash Back on eligible purchases as long as your account is open and in good standing. See below for what constitutes an eligible purchase.

Eligible purchases are all purchase transactions excluding balance transfers, convenience checks, ATM withdrawals, PIN transactions, money transfers (including P2P payments), quasi cash transactions (including purchases of traveler’s checks, money orders, foreign currencies and cryptocurrencies), lease and loan payments, truck stop transactions, tax payments, gambling transactions, unauthorized or fraudulent charges, finance charges and other card-related fees. See the Priority Unlimited Program Agreement and the Priority Unlimited Credit Card Agreement at fhb.com/unlimited for additional details and restrictions. 

In order to see your Priority Unlimited Cash Back activity online, you must register your account on www.fhbunlimited.com. Look for the Login/Register button on the site and follow the steps to register your account. You cannot register your account over the phone.

You will be emailed a monthly Cash Back balance as of the prior month's end, if you have registered your account at fhbunlimited.com. You can also log into fhbunlimited.com to see your Cash Back earnings, redemptions, and current balance.

Please call the Priority Unlimited Redemption Center toll-free at 833-251-6394.

For any questions about your Priority Unlimited balance, please call the Priority Unlimited Redemption Center toll-free at 833-251-6394.

For other questions about your Priority Unlimited credit card, please call (808) 874-4444 on Oahu or 1-800-342-2778 for the Neighbor Islands, Guam, Commonwealth of the Northern Mariana Islands (CNMI).

No, you will lose all of your Cash Back earnings if your account is closed.

Your Cash Back Balance cannot be assigned, transferred or pledged. If the Card Account is closed in connection with a death or incapacity of the Card Account owner, accumulated Cash Back does not constitute your property and cannot be bought, sold, or transferred in any way. This provision, however, does not apply to jointly held accounts where there is at least one surviving owner of an account. 

All Credit, Debit, and ATM Cards are eligible to enroll in personalized card alerts except for the card types below.

Commercial Card and Business Credit Card accounts that begin with 5569, 5478, and 5199 will automatically receive a limited set of card alerts by email. No enrollment is required.

Visit this page for instructions.

You will receive a verification SMS text message confirming enrollment. If you did not receive the enrollment verification, please contact Customer Service at 1-800-342-2778. Phone numbers without the US country code (+1) are unable to receive card alert SMS text messages.

Manage card alert functionality is available only on the FHB Mobile app.

Card alerts can be personalized for each card on the account for purchase alerts (spend categories, spend limits, out-of-state purchases, online purchases), service alerts (card requests, card activations, above-threshold balances) and updates to card account (contact information).

To opt out of specific card alert(s), visit this page for instructions.  

To opt out of all card alerts:

• Select a credit card or checking account linked to a debit card, and tap “Account Details”
• Tap “Manage Card Alerts”
• Tap “Deactivate" to stop receiving card alerts
• Tap "Save" 

To re-enroll for specific card alert(s), visit this page for instructions.

To re-enroll to all card alerts:

• Select a credit card or checking account linked to a debit card, and tap "Account Details"
• Tap "Manage Card Alerts"
• Tap "Activate" to re-enroll in card alerts
• Tap "Save" 

Yes. You do not need to re-enroll in card alerts.

Yes, you will need to enroll in alerts for each credit or debit card.

Please call Customer Service at 1-800-342-2778 or the number on the back of your card.

To update your email address, update your profile with the new email address you would like to receive card alerts for.

To update your phone number, you will need to update your contact information for each card:

• Select a credit card or checking account linked to a debit card, and tap "Account Details"
• Tap "Manage Card Alerts"
• Tap "Contact Information" and review current phone number and email address
• For SMS alert,  select the mobile number for delivery and tap "Verify"  

​​​​​​​Phone numbers without the US country code (+1) are unable to receive card alert SMS text messages.

Mastercard 3D Secure 2.0 is an additional layer of authentication for online card transactions that aims to reduce fraud and enhance security. Not all transactions or purchases will require 3D Secure authentication; it depends on the merchant and/or type of purchase. 

3D Secure may require a two-factor authentication to protect you from unauthorized or fraudulent transactions. The two-factor authentication will ask if you would like a passcode sent to your email or mobile phone and have you enter in the passcode. If you are able to authenticate your purchase using this method, the charge will go through. Otherwise, the transaction will be declined.

A 3D Secure authentication error may be due to a mistyped card number or an incorrect expiration date. You may need to reattempt the purchase to ensure all information needed to complete the transaction is correct. Also, if no authentication message was received, please double check that your mobile phone number and email address is correct on file with First Hawaiian Bank.

All of our First Hawaiian Bank consumer and small business debit and credit cardholders are automatically enrolled in Mastercard 3D Secure 2.0 as a security measure for our customers. There is no option to opt out. 

At this time, 3D Secure 2.0 is not enabled for customers with a Commercial or Small Business roll up credit card.

3D Secure 2.0 only monitors for transactions in which your physical card is not present.  When you use your physical card in person, 3D Secure 2.0 authentication is not triggered.

If you have questions about Mastercard 3D Secure, please call (808) 847-4444.