First Bank Of Hawaii Online provides a suite of digital banking services designed for both personal and business customers. These services range from basic online account management to more advanced features, all accessible from your computer or mobile device. Understanding the scope and terms of these services is crucial for effective and convenient banking.
For personal banking customers, First Bank of Hawaii Online offers a range of free basic services. These include the ability to aggregate all your financial accounts, even those outside of FHB, into one single view for easier management. You can also seamlessly transfer funds between accounts, utilize mobile check deposit for quick deposits on the go, and opt for eStatements to reduce paper clutter and enhance security. Popular services like Zelle® for fast digital money transfers and Direct Connect for direct financial data integration are also included in the free basic tier. While these core services are complimentary, it’s important to note that optional services, such as Online Bill Pay, may incur additional fees depending on usage and specific terms.
Business customers have tailored options with FHB Online Business Basic and FHB Online Business Banking. The Basic version mirrors the free personal services, while the Business Banking option, for a nominal monthly fee of $5.99 (waived for Priority Banking clients), unlocks enhanced features. These include integrated Bill Pay for efficient business expense management, Zelle® for business transactions, and Entitlements for managing user access and permissions within the business account. Reviewing the FHB Online Terms and Conditions is recommended to fully understand the details of service inclusions and potential fees associated with business accounts.
Embracing eStatements is encouraged for its convenience and security benefits. By enrolling in eStatements, you’ll transition from paper statements to digital delivery. While this is generally a free service, opting to receive both paper and electronic statements will result in a $5 monthly fee per checking and savings account. This fee underscores the bank’s push towards digital efficiency and environmental consciousness.
For managing and paying bills online, FHB Online Bill Pay is a powerful tool. To utilize eBills, which are electronic versions of your bills delivered directly to your online banking interface, you need to have an FHB checking account and be enrolled in FHB Online Bill Pay. It’s important to be aware that enrolling in Online Bill Pay itself might lead to extra charges, emphasizing the need to review the Terms & Conditions for a complete fee schedule. Unenrolling from Bill Pay can be done easily through your FHB Online account settings.
Account aggregation extends to viewing accounts from other financial institutions within your First Bank of Hawaii Online dashboard. This requires you to have existing online access set up with those external institutions. This consolidated view simplifies your financial overview, putting all your key financial information in one place.
Money transfers offer flexibility but come with certain guidelines. Restrictions may apply to ensure security and compliance. You are generally permitted to transfer funds between your own FHB accounts or between your FHB accounts and personal accounts held at other financial institutions. Users must be at least 18 years old to utilize external transfer services, and further details are available in the FHB Online Services Terms and Conditions.
Online Bill Pay is also subject to age restrictions and potential fees for personal customers. Enrollees must be 18 years or older, and as mentioned, additional charges may apply. For business users, FHB Online Business Banking includes Bill Pay, while Business Online Basic users upgrading to Bill Pay will automatically transition to the Business Banking platform. Refer to the FHB Online Services Terms and Conditions for comprehensive details.
Zelle® usage has specific requirements. Users need a U.S. bank account and mobile number. Transactions are typically swift, often occurring within minutes, especially when the recipient is already enrolled with Zelle®. Personal Zelle® users must be 18 or older. Business Zelle® access is exclusive to FHB Online Business Banking customers. For business transactions via Zelle®, both parties must be enrolled directly through their respective financial institution’s online or mobile banking platform. The FHB Online Services Terms and Conditions provide further essential details regarding Zelle® functionality and terms.
Finally, it’s worth noting that standard SMS/Text Message fees from your mobile carrier might apply when using certain mobile banking features or receiving alerts.
By understanding these disclosures, customers can effectively utilize First Bank of Hawaii Online services, optimizing their banking experience while being fully informed about service features and potential costs. Always consult the official Terms and Conditions for the most accurate and up-to-date information.
