Checking Accounts

Your checking account is the heart of your financial management. It’s something you use every day, so it’s important that it’s easy, convenient, and suits the way you spend and manage your money. Find Your Fit, with our Essential, Preferred or Loyalty checking account options.

For those age 55+, all accounts offer these additional perks:
Paper Statements 
No fee for license stickers
Cashier’s checks and money orders
Copies/Faxes/Telephone Transfers

a person holding a pen over a piece of paper.

Essential Checking

  • $50 minimum deposit to open
  • No minimum balance fee
  • $10 buy back of unused checks/debit cards from another financial institution
  • Includes:
    • Online Banking
    • Bill Pay
    • Visa Debit Card
    • E-statements (or $2 paper statement fee)
a person holding a tablet with a bank account on it.

Preferred Checking

  • $50 minimum deposit to open
  • $0.01 to $10,000 Premium Interest Rate (Click here for Current Rates) $10,000.01 and over earns lower interest rate. These requirements must be met per month to receive premium interest on balance (up to $10,000) and waived ATM fees:
    • 12 Posted and cleared debit card transactions (Not including ATM withdrawals)
    • 2 Direct Deposits OR electronic payments* (can be one of each)
      If requirements are not met, ATM fees are NOT waived and lower interest applies to entire balance.
  • ATM fees waived up to $10 per month
  • $10 buy back of unused checks/debit cards from other financial institution
  • $6 monthly service charge if average balance is under $250
  • Includes:
    • Online Banking
    • Bill Pay
    • Visa Debit Card
    • E- Statements (or $2 paper statement fee)
    • Mobile Deposit

*Includes bill pay items.
Debit card & electric bill payment transactions are counted on the day the transaction is posted and cleared.

a laptop computer sitting on top of a table.

Loyalty Checking

  • $50 minimum deposit to open
  • Tiered interest
    $0 – $5,000
    $5,000.01 – $25,000
    $25,000.01 – $75,000
    $75,000.01 and over
    (Click here for Current Rates) 
  • $10 buy back of unused checks/ debit card from another financial institution
  • ATM fees waived up to $10 per statement cycle**
  • $15 Service Charge if average balance falls below $5,000
  • Service charge can be waived if $50,000 in combined BOH deposit accounts (DDA, SAV, or CD) or Personal 1st Mortgage at BOH
  • Includes:
    • 1 box of checks per year
    • Online Banking
    • Bill Pay
    • Visa Debit Card
    • E-statements (or $2 paper statement fee) 
    • Mobile Deposit

**Statement cycles may vary.
Ask when your statement cycle will be.
See important account information for full account details.
Fee may reduce earnings. 

Open an Account