First Hawaiian Bank is committed to providing transparent and accessible online banking services. To ensure you have a clear understanding of our offerings, we’ve outlined key disclosures regarding our digital banking platform. These disclosures cover important aspects of using First Hawaiian Bank’s online and mobile services.
Key Disclosures for First Hawaiian Bank Online Services
Basic Online Banking Services
First Hawaiian Bank provides a suite of essential online banking services at no cost to our personal banking customers. These free services include:
- Account Aggregation: Consolidate and view accounts from other financial institutions alongside your First Hawaiian Bank accounts for a comprehensive financial overview.
- Transfers: Easily move funds between your First Hawaiian Bank accounts and external accounts.
- Mobile Check Deposit: Conveniently deposit checks using your mobile device’s camera.
- eStatements: Access your account statements electronically, reducing paper clutter and enhancing security.
- Zelle®: Quickly and easily send and receive money with friends, family, and others you trust using Zelle®.
- Direct Connect: Utilize direct connections for seamless integration with financial management software.
Please note that while these core services are free, optional services like Online Bill Pay may incur additional fees. For complete details on service terms and any applicable charges, please refer to the FHB Online Terms and Conditions.
Mobile Banking Requirements
To utilize First Hawaiian Bank’s Mobile Banking services, you will need a compatible mobile device with internet access. Mobile check deposit functionality also requires a mobile device equipped with an auto-focus, rear-facing camera.
Account Aggregation Details
For account aggregation to function, you must have existing online access established with the external financial institution you wish to link to your First Hawaiian Bank online banking profile.
External Transfer Limitations
The External Transfers service offered by First Hawaiian Bank has specific eligibility requirements. Users must be 18 years of age or older to use this service. Furthermore, the external bank account must be registered in your name and must be a checking, savings, money market checking, money market savings, or brokerage account. Additional information and limitations regarding external transfers can be found in the Terms and Conditions.
Online Bill Pay Fees
While Online Bill Pay is included with FHB Online Business Banking, personal and FHB Online Business Basic customers who choose to enroll in Online Bill Pay may be subject to additional fees. For complete details regarding Online Bill Pay and potential charges, please consult the Terms and Conditions of FHB Online Services. If you wish to discontinue the Bill Pay service, you can easily unenroll through your FHB Online account settings.
Zelle® Usage and Eligibility
Using Zelle® through First Hawaiian Bank requires a U.S. bank account and a U.S. mobile number. Personal banking customers can use Zelle® without incurring any fees from First Hawaiian Bank; however, standard mobile network carrier fees may apply. Personal customers must be at least 18 years old to enroll in Zelle®. For comprehensive details, please review the Terms and Conditions of FHB Online Services. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
SMS/Text Message Fees
Please be aware that standard SMS/Text Message fees from your mobile carrier may apply when using certain First Hawaiian Bank services that utilize text notifications.
By understanding these disclosures, you can confidently utilize First Hawaiian Bank’s online and mobile banking services. For a comprehensive understanding of all terms and conditions, please visit our website.
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