How is my Available Balance determined?

Your Current Balance is your balance at the start of the day, plus or minus the transactions for that day. Your Available Balance is your Current Balance minus holds on your funds. Holds include deposits with a hold on the amount and debit card holds for pending purchases or payments using your debit card. Please note that for certain types of debit card transactions, some merchants obtain authorizations for a partial amount (such as gas stations) while others may be for a greater amount (such as restaurants) of the purchase.

What is the difference between an overdraft fee (OD) and a non-sufficient funds fee (NSF)?

An OD fee is assessed when the bank pays (or honors) an overdraft item. An NSF fee is assessed when the bank returns (or bounces) an item unpaid due to non-sufficient funds. Your statement will list these fees as “ODF FEE - PAY” (overdraft fee for an item paid) or “NSF FEE - RET” (non-sufficient funds fee for an item returned).

How does FHB process transactions?

The order in which we process transactions can affect the total amount of fees charged when an account is overdrawn. Transactions are processed and posted together at the end of each business day. We post all credits (such as deposits) before debits (payments from the account). For debits, guaranteed items (e.g., wire transfers, cashed checks, ATM withdrawals or everyday debit card transactions) are posted before those that are not (e.g., checks or ACH transactions).

What is Savings Overdraft Transfer Service?

Consumers that have a personal checking and a personal Regular Savings or Priority Savings, may link their checking to a savings account for the purpose of automatic overdraft protection. Like Yes-Check®, if an overdraft occurs, it will trigger an automatic transfer from the linked savings to cover the overdraft.  An Overdraft Transfer Fee may apply for each automatic transfer from savings to cover an overdraft.

What branches offer notary services and are there special notary hours?

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Notary services are available by appointment only at most branches between the hours of 9am – 11am. Fees may apply for notary services.

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