Bank of Hawaii $100–$300 Checking Account Bonus (2026) - Review & Requirements
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- Direct deposit: $3,500 in qualifying direct deposits
- Deposit window: 60 days
- Minimum opening deposit: $500
- Bonus tiers
- $100 with $2,000 in direct deposits
- $300 with $3,500 in direct deposits
- Availability: HI
- Lifetime limit: one bonus per customer
- ChexSystems sensitivity: Low
- Credit pull: soft pull only
- Monthly fee: $15/mo — Bankohana Level I: $15 per month, waived with a Combined Balance of $6,000.
- Early closure fee: $70
- Bonus posts: ~120 days
- Account hold: Must keep open 180 days
What Counts as Direct Deposit
8 reports across 1 source. Last report May 31, 2026. Doctor of Credit comments 8.
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
Open a new Bankohana Level I checking account with a $500 initial deposit and receive $3,500 in Qualifying Direct Deposits within 60 days for $300. A Convenience Checking account with $2,000 in Qualifying Direct Deposits within 60 days pays $100 instead. Source
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Overview
Bank of Hawaii is currently offering a tiered checking bonus paying up to $300. Each rung has its own requirement: $100 with $2,000 in direct deposits; $300 with $3,500 in direct deposits. The account has a $15 monthly fee; review the waiver terms before applying.
Pros
Cons
Notes
Receive $3,500+ in direct deposits within 60 days. The amount you are paid depends on which rung you complete: $100 with $2,000 in direct deposits; $300 with $3,500 in direct deposits. Allow approximately 120 days for the bonus to post after qualification. Keep the account open for at least 180 days.
How This Compares to Other Bonuses
Bank of Hawaii's $300 offer is closest in headline value to PSECU's $300 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current Bank of Hawaii checking bonus?
Bank of Hawaii currently advertises up to $300, across 2 rungs that each ask for something different: $100 with $2,000 in direct deposits; $300 with $3,500 in direct deposits.
Does the Bank of Hawaii bonus require direct deposit?
Yes. The catalog currently records $3,500 in qualifying direct deposits within 60 days. Confirm the bank's exact definition before applying.
When should the Bank of Hawaii bonus post?
The tracked estimate is about 120 days after you satisfy the requirements.
Full Requirements
Open a new Bankohana Level I checking account with a $500 initial deposit and receive $3,500 in Qualifying Direct Deposits within 60 days for $300. A Convenience Checking account with $2,000 in Qualifying Direct Deposits within 60 days pays $100 instead. Bonus is paid within 120 days of account opening.
Fees
Bankohana Level I: $15 per month, waived with a Combined Balance of $6,000.
ChexSystems & Credit Pull
Bank of Hawaii is low ChexSystems sensitivity.
Eligibility
Hawaii residents (offer also extends to Guam/Saipan/Palau). New checking customers only; limit one checking bonus per customer. Qualifying Direct Deposits = recurring electronic payroll/government/pension ACH. Accounts closed within 180 days incur a $70 early-closing fee.
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Sources (3)
We last checked this against the bank's page on September 16, 2026.
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What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. 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.