Personal Smart Checking

A low-cost, full-service account that is well-suited for a low to moderate account balance. Personal Smart Checking offers the perfect combination of convenience and cost-effectiveness for managing your finances.

Minimum Opening Balance - $100

- Cost-effective product
- No minimum balance required to avoid monthly service charge
- Unlimited check writing with no per check fees
- Free 24/7 Telephone Banking
- Free Online Banking/Bill Payment
- Access to any ATM in the world with no OPB ATM transaction fee.1


Senior Checking

If you are 55 years old or older, you are qualified to open a Senior Checking Account. Senior Checking is an interest-earning checking account with unlimited check writing, and offers a full range of online services and other benefits.

Minimum Opening Balance - $100
55 years or older
Maintain a daily minimum balance of $500, or make a payroll or social security direct deposit during the statement cycle to avoid a monthly service charge. Otherwise, a $5 monthly service charge will apply

- Earn interest based on a tiered rate
- One free standard check order (200 checks) at the time of account opening
- Unlimited check writing with no per check fees
- Free 24/7 Telephone Banking
- Free Online Banking/Bill Payment
- Access to any ATM in the world with no OPB ATM transaction fee.1


Personal Interest Checking

Enjoy full access to your funds while earning interest. This account is best fit for individuals that maintain a high account balance or want to maximize interest earning on the account.

Minimum Opening Balance - $100
Maintain a daily minimum balance of $500, or make a payroll or social security direct deposit during the statement cycle to avoid a monthly service charge. Otherwise, a $5 monthly service charge will apply

- Earn interest based on a tiered rate
- Unlimited check writing with no per check fees
- Free 24/7 Telephone Banking
- Free Online Banking/Bill Payment
- Access to any ATM in the world with no OPB ATM transaction fee.1


Personal Premier Checking

A full-service checking account that offeres additional benefits such as discounts on certain banking services based on consolidated balance of personal deposit accounts. You must maintain a consolidated deposit average balance of $10,000 to avoid a $19 monthly service charge.

Minimum Opening Balance - $100

- One (1) Free check book (100 count) per year
- Free Cashier's Checks
- Free Temporary Checks
- Free Incoming Wires & $20 discount on Outgoing Wire Transfer Fee
- +3 bps rates on CDs (excludes special CD rate products)
- Free Notary Service (please call for an appointment)
- Free Online Banking, eStatement, and Bill Payment
- Access to any ATM in the world with no OPB ATM transaction fee and surcharge rebates.1


Personal Elite Checking

>A full-service checking account that offeres additional benefits such as discounts on certain banking services based on consolidated balance of personal deposit accounts. You must maintain a consolidated deposit average balance of $25,000 to avoid a $24 monthly service charge.

Minimum Opening Balance - $100

- One (1) Free check book (100 count) per year
- Free Cashier's Checks
- Free Temporary Checks
- Free Incoming Wires & 1 Outgoing Wire Transfer Fee waived per month, $20 discount on Outgoing Wire Transfer Fee thereafter.
- +5 bps rates on CDs (excludes special CD rate products)
- Free Notary Service (please call for an appointment)
- Free Online Banking, eStatement, and Bill Payment
- Access to any ATM in the world with no OPB ATM transaction fee and ATM surcharge fee rebates.1


1ATM surcharge fee rebates apply to cash withdrawals using the Ohana Pacific Bank Debit card wherever it is accepted. ATM surcharge fee rebates do not apply to any fees other than surcharge fees assessed for using an ATM to withdraw cash from your Ohana Pacific Bank checking account. Ohana Pacific Bank makes its best effort to identify those ATM surchargefees eligible for rebate based on information it receives from MasterCard and other ATM operators. Ohana Pacific Bank reserves the right to modify or discontinue the ATM surcharge fee rebate at any time.


Please contact an Ohana Pacific Bank personal banker for more information. (808) 237-6551