Smart Checking


Why pay fees for your money? With our Smart Checking solution you pay no fees so you can save and use your money without any worries about monthly maintenance fees or minimum balance requirements.1


Smart Checking features:

  • No minimum balance requirement
  • No monthly service fee
  • No direct deposit requirement
  • No ATM transaction fees period

Your Smart Checking account also includes:

  • Free Ohana Pacific Bank Debit MasterCard
  • Free 24/7 Banking by Phone
  • Free Online Banking
  • Free Online Bill Pay
  • Overdraft Protection options provided through your savings, or line of credit2

Requirements and Other Restrictions:

  • Minimum opening deposit requirement of $100.00


1Does not include free checks. Minimum opening deposit of $100.00 required. Please see our fee schedule for information on other fees that may be assessed to your account such as fees for overdrafts, stop payment, and other services. Ohana Pacific Bank reserves the right to amend or terminate the terms for this account at any time.

2Overdraft Protection may be subject to credit approval. Fees apply.