Hawaii's first digital bank account for Hawaiʻi that's from Hawaiʻi. Shaka Checking is among the highest checking interest rates in Hawaiʻi. Enjoy the convenience of 100% online banking and in just 5 minutes you can open an and access features like Bill Pay.
A combined balance plan with exceptional benefits. Simply start your Exceptional Plan by opening an Exceptional Checking account. Link qualifying personal deposit and loan accounts to your Exceptional Plan and maintain a $10,000 minimum combined balance to avoid a $20 monthly service charge.
Write checks and make everyday transactions like debit card purchases, bill payments and direct deposit. For those in college, this is the perfect student value checking account. Open an account with no minimum opening deposit when opened in a branch. $25 minimum opening deposit when opened online.
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Checking Features
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Shaka Checking1
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Exceptional Checking
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Value Checking1
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Minimum Opening Deposit
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$25 when opened online
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$500
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$25 (when opened online) or $0 (when opened at a branch)
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Interest Earning
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Base Interest compounded daily and paid monthly. Reward Interest compounded monthly, paid monthly
Tiered interest rates
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Interest compounded daily and paid monthly Tiered interest rates
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No
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Monthly Statements
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Free Online Statements11 or $5.00 Paper Statement Fee per statement
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Free Online Statements10 or Paper Statements
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Free Online Statements10 or $5.00 Paper Statement Fee per statement unless the account is linked to a personal Exceptional Plan; or has maintained an average balance of $2500 or more for the statement period
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ATM Fee Waivers and Rebates
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No ATM transaction fees when you use CPB ATMs2,3
Upgrade your Value Checking account with Plus Package for just $4.95 per month8 and get:
No ATM Transaction Fees when you use any non-CPB ATM worldwide2,3
ATM Surcharge Rebates when you use any non-CPB ATM in Hawaii and on the mainland (up to $4.50 per transaction, up to $20 per month)3
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Branch Transactions
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$2 for each deposit or withdrawal conducted in the branch
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Free
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Free
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Checks
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None
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Free CPB Beautiful Hawaii checks (single only) or up to $20 off any style per order, with regular bulk shipping.
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Free first order of 40 checks
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Check Transactions
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Checks are not issued on this account. $2 per check transaction if done
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Free
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Free
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Incoming Wire Transfer Fee Waiver
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No
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Yes
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No
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Sweep Option
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No
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Option to sweep funds over a selected balance amount daily into an Exceptional Savings or Exceptional Super Savings account to maximize earnings
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No
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Line of Credit Annual Fee Waiver
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No
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Personal Express Line of Credit & Home Equity Line of Credit Annual Fee is waived.5
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No
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Family Plan
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No
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Refer up to three family members to open their own Exceptional Checking account with no minimum combined balance requirement and no monthly service charge. Minimum opening deposit is just $100 (normally $500) 6
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No
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Safe Deposit Box Discounts
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No
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One Free Safe Deposit Box (up to $50 value) or $50 off larger box size7
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No
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Early Paycheck
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Access your direct deposit paycheck up to two days early12
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No
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No
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Free Banking Services
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Shaka Checking
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Exceptional Plan
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Value Checking
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Platinum Debit Mastercard® with Mastercard® benefits such as Identity Theft Alerts and Identity Theft Resolution Services9.
Online Banking10
Online Bill Pay10
Online Statements10
Mobile Banking10
Mobile Deposit Service10
Infoline Telephone Banking
Free transfers to Greenlight accounts (a debit card and banking app for kids and teens)13
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Preferred Platinum Debit Mastercard® with with Mastercard® benefits such as Identity Theft Alerts and Identity Theft Resolution Services9.
Online Banking10
Online Bill Pay10
Online Statements10
Mobile Banking10
Mobile Deposit Service10
Infoline Telephone Banking
Free transfers to Greenlight accounts (a debit card and banking app for kids and teens)13
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Platinum Debit Mastercard® with Mastercard® benefits such as Identity Theft Alerts and Identity Theft Resolution Services9.
Online Banking10
Online Bill Pay10
Online Statements10
Mobile Banking10
Mobile Deposit Service10
Infoline Telephone Banking
Free transfers to Greenlight accounts (a debit card and banking app for kids and teens)13
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Value Checking and Shaka Checking accounts with zero balance for 60 or more consecutive calendar days will be closed automatically without notice. For more details, visit any branch or contact our Customer Service Center.
Transactions made at non-CPB ATMs are subject to our ATM Transaction Fees. ATM Transaction Fees are waived for Exceptional Checking, Shaka Checking account and Value Checking accounts with Plus Package.
Non-CPB ATMs may impose surcharges that are separate from and in addition to our ATM Transaction Fee and should disclose their surcharge fee at the beginning of the transaction.
ATM Surcharge Rebates only apply to ATM surcharges from other banks and ATM operators incurred on your Exceptional Checking, Shaka Checking account or Value Checking account with Plus Package for ATM usage nationwide.
Subject to credit application and approval. Interest charges and other fees may apply. Exceptional Checking or Exceptional Choice Checking required to waive the Personal Express Line of Credit Annual Fee and Home Equity Line of Credit Annual Fee, ownership of both deposit and line accounts have to be the same.
You may refer up to three family members. A Family Plan Referral Code must be presented at the time the new Exceptional Checking Account (“Sponsored Account”) is opened. For details, click here.
$50 discount includes a $5 discount for automatic payment of rental fees. Automatic payment from an eligible CPB account is required. Safe deposit box contents are not insured by Central Pacific Bank, the FDIC, or any other government agency.
A Plus Package discounted fee of $3.95 per month is available upon request for seniors age 50 years and above. To begin receiving a Plus Package senior discount, please visit any branch or call our Customer Service Center at (808) 544-0500 or toll-free at 1-800-342-8422.
Online enrollment required. For information and to enroll, visit mastercardus./idprotectiononline.com.
Online Banking enrollment required. For information and to enroll, click here.
A monthly $5 fee will apply for paper statements. See our Misc Fee Schedule to find other ways to waive the $5 fee.
To receive this feature, your employer or benefit provider must send your payroll by ACH to your Account and include the key phrases “Payroll” or “Direct Deposit” within the transaction description. Transactions without these key phrases in the description, or with unrecognized abbreviations of these phrases, will be processed as normal and will not be given the early paycheck benefit. We do not determine the transaction description.
Greenlight is a financial technology company, not a bank. The Greenlight app facilitates banking services through Community Federal Savings Bank (CFSB), Member FDIC.
Greenlight issued debit cards will be charged a CPB ATM surcharge fee when using a CPB ATM. This fee will be displayed on the ATM before you complete your transaction.
