Business Checking Products and Services

Central Pacific Bank understands our community’s business needs and is proud to offer the Totally Free Business Checking account that comes with a package of benefits that can help cut your business expenses and streamline your operations.

Enjoy the convenience of a Central Pacific Bank business checking account which includes:

• Free Visa® Business CheckCard
• Free Business Online Banking
• Free access to Central Pacific Bank ATMs
• Free INFOLINE Telephone Access

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	Totally Free Business Checking 1 Why pay for features you don't need? Perfect for small business owners just starting out or who process a moderate number of items (checks and deposits) per month. No monthly fees No minimum balance requirement Up to 100 items processed per month free; $0.25 per item thereafter Free Online Bill Pay for the first 50 bill payments / month; $1.00 per bill payment thereafter $50 off your first check order $25 off your first deposit slip order Free incoming wire transfer service Free Online Payroll 2 No set-up fee on a Business ExpressLine of Credit3 1 Customer purchases checks. 2 Online payroll service is provided by Heartland Payment Services. The monthly fee and per employee fee per payroll period is waived when employees are paid by direct deposit to a Central Pacific Bank checking account. No more than 10 employees may enrolled in and paid through online payroll with this offer. Additional fee for exception processing and other services may apply. 3 On Approved Credit	Details
	Choice CheckingSM for Sole Proprietors 1 An interest earning checking account ideal for sole proprietors who bank electronically, using Online Banking, debit cards and automatic payments. Higher interest rate compounded daily Up to 100 items processed per month free; $0.25 per item thereafter $500 minimum daily balance $12.50 monthly service fee if daily minimum balance is not met Check Safekeeping service Free ATM access in Hawaii and Nationwide 2 Free Online Bill Pay for the first 50 bill payments / month; $1.00 per bill payment thereafter Earn a higher interest rate when you meet these Easy Monthly Requirements: 15 purchases with your Central Pacific Bank Visa® CheckCard Direct deposit to your account Check Safekeeping service 1 Higher interest rate and Annual Percentage Yield (APY) will be paid on balances up to $25,000 if your account meets the Easy Monthly Requirements during the calendar month: at least 15 Central Pacific Bank Visa® CheckCard purchases, one direct deposit and CheckSafekeping service. Balances over $25,000 and accounts that do not meet the requirements during the calendar month will earn a lower rate. Rates are variable and subject to change at any time after the account is opened. Minimum deposit of $100 required to open a Choice Checking for Sole Proprietors account; thereafter a $500 minimum daily balance required and subject to a monthly service fee if daily minimum balance is not met. 2 Central Pacific Bank will reimburse you up to $3 per transaction for any ATM surcharge incurred on your Choice Checking for Sole Proprietors account nationwide, up to $20 per month, when your account meets the Easy Monthly Requirements noted above. Annual Percentage Yield (APY) Minimum Balance to Open Minimum Balance to Obtain APY Compound/ Interest Paid 4.00% $100 $1 Daily/Monthly 0.05% $100 $1 Daily/Monthly Fees may reduce earnings. Interest rate and annual percentage yield subject to change on a daily basis.	Details
	Performance Business Checking With competitive rates and accessible funds, our tiered interest checking account with a low minimum balance is designed for Sole Proprietors, Fiduciaries and Non-profit Organizations. Up to 50 items processed per month free; $0.25 per item thereafter $750 minimum daily balance $9 monthly service fee if daily minimum balance is not met Free Online Bill Pay for the first 50 bill payments / month; $1.00 per bill payment thereafter Tier Annual Percentage Yield (APY) Minimum Balance to Open Minimum Balance to Obtain APY Compound/ Interest Paid $0 - $2,499.99 0.03% $750 $1 Daily/Monthly $2,500 and over 0.05% $750 $2,500 Daily/Monthly Fees may reduce earnings. Interest rate and annual percentage yield subject to change on a daily basis.	Details
	Analyzed Business Checking Enables larger companies with high activity to minimize costs while maximizing financial resources. With high activity and multiple financial needs, our Analyzed Business Checking account gives you an earning credit for higher balances. Earnings credit applied to collected account balance and used to offset transaction fees No minimum balance requirement Online Bill Pay Service: $5.95 / month, unlimited bill payments or see Cash Management Services $50 off your first check order $25 off your first deposit slip order	Details

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