Bank of Hawaii $75–$300 Savings Bonus (3.4% Effective APY) - 2026 Review
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- Bonus tiers
- $75 for a $5,000+ deposit
- $150 for a $10,000+ deposit
- $300 for a $20,000+ deposit
- Availability: HI
- No stated lifetime limit
- Monthly fee: $0
- Early closure fee: $70
- Funding window: 30 days
- Maintenance/hold period: 120 days
- Total practical hold: ~160 days
Bonus Tiers & Effective APY
Overview
Bank of Hawaii currently offers up to $300 through its savings promotion. The headline tier requires $20,000 and keeps the funds committed for roughly 160 days. That is approximately 3.4% annualized before tax and opportunity-cost adjustments.
Pros
Cons
Notes
Fund the account inside the 30-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 120-day maintenance period. Avoid moving the money until the reward posts.
How This Compares to Other Bonuses
Bank of Hawaii's $300 headline payout is closest to Grasshopper Bank Business's $300 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current Bank of Hawaii promotion?
Bank of Hawaii currently offers up to $300. The headline requirement is $20,000 deposit held for about 150 days.
How much money is required for the Bank of Hawaii bonus?
The highest advertised payout currently requires $20,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 160 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Hawaii residents only. ChexSystems sensitive.
Fees
Apply
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Sources (2)
We last checked this against the bank's page on September 4, 2026.
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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.