Personal Checking Products and Services

At Central Pacific Bank there is a variety of personal checking accounts for you to choose from. For maximum benefits, click here for information about our Exceptional Plan.

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

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

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	Totally Free Checking* A no-frills checking account designed to meet your basic banking needs. It provides you with all the convenience of a checking account without a minimum balance. No minimum balance No monthly service fee Unlimited check writing Check Safekeeping * Does not include cost of checks. There is no monthly service charge on this account. However, please refer to our Schedule of Fees for information on other fees, such as insufficient funds fees which may be assessed to your account.	Details Apply
	Free Plus CheckingSM An interest earning checking account where you can earn higher interest when monthly requirements are met. No minimum balance No monthly service fee Higher rate compounded daily 1 Unlimited check writing Check Safekeeping service Free ATM access in Hawaii and Nationwide 2 Free Online Bill Pay Earn a higher interest rate when you meet these 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 these Easy Monthly Requirements during the calendar month: at least 15 Central Pacific Bank Visa® CheckCard purchases, one direct deposit and Check Safekeeping 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. 2 Central Pacific Bank will reimburse you up to $3 per transaction for any ATM surcharge incurred on your Free Plus Checking 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% $50 $1 Daily/Monthly 0.05% $50 $1 Daily/Monthly Fees may reduce earnings. Interest rate and annual percentage yield subject to change on a daily basis.	Details Apply
	Gold Choice Checking Our value-added checking account for only $6 a month. At Age 50, eligible for a 50% discount. No minimum balance Unlimited check writing Higher rate compounded daily 1 Check Safekeeping Free Online Bill Pay Free Loyalty checks or $10 off any style $2,500 Personal Identity Theft Protection Payment Card Protection $5,000 Travel Accidental Death Insurance Emergency Travel Assistance Services Shopping, dining, travel & entertainment discounts Discount on prescription, vision & hearing aids Annual Percentage Yield (APY) Minimum Balance to Open Minimum Balance to Obtain APY Compound/ Interest Paid 4.00% $50 $1 Daily/Monthly 0.05% $50 $1 Daily/Monthly Fees may reduce earnings. Interest rate and annual percentage yield subject to change on a daily basis. 1 Higher interest rate and Annual Percentage Yield (APY) will be paid on balances up to $25,000 if your account meets these Easy Monthly Requirements during the calendar month: at least 15 Central Pacific Bank Visa® CheckCard purchases, one direct deposit and Check Safekeeping 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.	Details
	Exceptional Plan Our flagship checking account with a host of free services providing maximum interest and liquidity with a minimum combined balance of $10,000 in Central Pacific Bank qualifying deposit and loan accounts. Click here for more details.	Details

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