Bank of Hawaii $400 Checking Account Bonus (2026) - Review & Requirements
What Counts as Direct Deposit
Based on community data points and bank terms. Employer payroll is always the safest method. "Mixed" means some users report success but it is not guaranteed.
Overview
Bank of Hawaii offers a tiered checking bonus up to $400 based on direct deposit amounts within 60 days. Requires a $500 opening deposit. Hawaii residents only.
Who This Checking Bonus Is Best For
Hawaii residents with strong direct deposit who want to maximize a tiered bonus structure.
How to Maximize This Bonus
Open a checking account with a $500 deposit and aim for the top tier — $3,500 in direct deposits within 60 days for the full $400 bonus. Lower tiers pay $100 ($2,000 DD) or $200 ($2,500 DD).
Pros
Cons
How This Compares to Other Bonuses
The top tier requires $3,500 in DD for $400 — decent but not exceptional. The lower tiers offer partial bonuses if you can't hit the max.
Frequently Asked Questions
Which states can open a Bank of Hawaii account?
Hawaii only.
Full Requirements
Tiered bonus: $2000 DD = $100, $2500 DD = $200, $3500 DD = $400 within 60 days. $500 opening deposit required.
Fees
No monthly fee.
ChexSystems & Credit Pull
Low ChexSystems sensitivity.
Eligibility
Hawaii residents only. New checking customers only.
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Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.