Behind every milestone, there’s a Yes.

1. Open or upgrade to a Personal Priority Banking Checking Account and open a new Priority Savings with a minimum deposit of $30,000 drawn from another financial institution by February 28, 2020 and receive a $300 statement credit to your savings account. The statement credit will be completed the month following meeting the criteria. Limit of one statement credit per customer or account. Statement credit may be reportable as taxable income (1099-INT). Minimum opening deposit of $100 (or just $5 with direct deposit) for Priority Banking 1 and 2, and $1,000 for Priority Banking 3. Accounts closed or converted out of Priority Banking within 180 days will be assessed a $75 charge. Accounts with a zero balance for 30 consecutive days will be closed automatically. As of 11/29/19, the Annual Percentage Yield (APY) for a Personal Priority Banking Level 2 checking account is 0.02%, and for Level 3 is 0.04% for daily balances less than $2,500 and 0.04% for daily balances of $2,500 or more. The APYs for Priority Savings are 0.02% for daily balances under $10,000, 0.05% for balances $10,000 through $24,999.99 and 0.07% for balances $25,000 and over. The rates may change after the account is opened. Fees may reduce earnings. The monthly service charge is $15 for Priority Level 1, $19 for Level 2, $22 for Level 3 and $4 for Priority Savings. Business and corporate accounts do not qualify for this offer.

2. Banking services and special benefits depend on the Priority Level you apply and maintain. These benefits may be lost if account is closed or converted to another type of account. Please see a Priority Banking Plan Checking Account Agreement for specific terms and conditions. The offer cannot be combined with any other discounts, offers, or promotions.

3. All loans and lines of credit are subject to credit approval. For lines of credit, there is no discount on introductory fixed rates or fixed rate locks unless otherwise indicated in a specific promotion. Home equity lines of credit are not available in CNMI. Cannot be combined with any other offer.

4. FHB Online Bill Pay is free for Priority Banking customers and $5.99 for all other personal customers. To unenroll from the Bill Pay service, login to your FHB Online account and send a Secured Message to request Bill Pay be removed.

5. Discount depends on the Priority Level you apply for and maintain. Subject to box availability. Limit of one Safe Deposit Box per Priority Checking Account. Safe deposit box contents are not insured by First Hawaiian Bank, the FDIC, or any other government agency.

Member FDIC

1. The minimum deposit to open an account is $100. The monthly service charge is $15 for Priority Level 1, $20 for Level 2, and $25 for Level 3. Accounts with a zero balance for 30 consecutive days will be closed automatically. This offer cannot be combined with any other promotional offer. Limit of one offer per customer or account. Offer expires 02/28/20. Accounts closed or converted out of Priority Banking within 180 days will be assessed a $50 charge. Account allows for 125 free items (for each check written, deposit ticket processed, or check deposited) per statement period for Level 1, 175 for Level 2, and 250 items for Level 3. Excess item fee of $0.25 per item over the free items.

2. Banking services and special benefits depend on the Priority Level you apply for and maintain. These benefits may be lost if account is closed or converted to another type of account. Please see a Priority Banking Plan for Business Checking Account Agreement for specific terms and conditions. The offer cannot be combined with any other discounts, offers, or promotions.

3. All loans and lines of credit are subject to credit approval. For lines of credit, there is no discount on introductory fixed rates unless otherwise indicated in a specific promotion. Cannot be combined with any other offer.

4. Subject to credit approval. Apply for a Business Mastercard and, if approved, receive a discounted rate margin on your Purchases APR, as set forth in the Business Mastercard Agreement.

5. FHB Online Banking is free for Business Priority Banking customers and $5.99 per month for all other business customers. Two sub-users are included with FHB Online Business Banking and it is $1/month per additional sub-user after the first two. You must be enrolled in FHB Online and have a mobile device with Internet to use FHB Mobile Banking. Direct Connect to Quicken or Quickbooks is $14.95/month for business customers and includes all FHB Online Business Banking services.

Member FDIC

1. If you choose to enroll in automatic payments from a First Hawaiian Bank checking or savings account to pay your monthly payments (“Auto-Pay”) before final credit approval, the promotional 1.95%, 2.20%, and 3.25% Annual Percentage Rates (APR) for the variable rate portion of your credit line will be fixed for 24, 36 and 48 months, respectively, from account opening (the “Auto-Pay Promo”). If you choose not to enroll in Auto-Pay before final credit approval, the promotional 2.75%, 3.00%, and 3.50% APR for the variable rate portion of your credit line are fixed for 24, 36 and 48 months, respectively, from account opening. You are not required to enroll in Auto-Pay to open or maintain your Credit Line. Participating in Auto-Pay merely makes the Auto-Pay Promo available to your Credit Line. After the applicable promotional rate period ends, the APR for the variable rate portion of credit line may vary and will be adjusted monthly to 1.50 percentage points over an index, which is The Wall Street Journal Prime Rate, except that the APR will never be lower than 4.50% and will never be higher than 19.00% for Hawaii (18.00% for Guam). The current fully indexed variable APR is 6.34% as of 12/1/19. Except for any Auto-Pay promotional rate, no other discounts apply to the promotional fixed rates. The APR after the promotional period will be 0.25 or 0.35 percentage point lower if you have a personal Priority Banking Checking Account Level 2 or Level 3, respectively. Both the promotional APR and the APR after the promotional rate period will be 0.50 percentage point higher for investors and for lines secured by a second home, and 1.00 percentage point higher for leasehold (owner occupant only) properties. Other adders may apply. You must carry insurance on the property that secures the credit line; flood insurance is required if the property is located in a special flood hazard area. For Hawaii, most closing costs waived for owner-occupants, investors, and lines secured by a second home, unless an ALTA policy, appraisal, trust review, or preparation of other legal documents is required. These closing costs are estimated at $750 – $3,557 (ALTA policy), $715 – $2,285 (appraisal fee), $260 (trust review fee), $150 (private flood insurance policy review fee), and $225 – $475 (legal documentation). For Guam, receive $100 off closing costs, which are estimated at $665 – $2,871 (appraisal fee), $12 (flood determination fee), $840 – $2,212 (title report), $150 – $1,145 (recording fee), $416 (trust review fee), $150 (private flood insurance policy review fee), and $400 – $725 (legal documentation). Other closing costs may apply and the fees quoted could be higher, depending on your specific credit line. There is an annual fee of $100, which is non-refundable and will be charged to your credit line on each anniversary date of your credit line account during the ten (10) year Draw Period. The annual fee is waived if you have a personal Priority Banking Checking Account Level 3 at the time the fee is assessed. An annual fee is not assessed during the twenty (20) year Repayment Period after the Draw Period. Offer subject to credit approval and good for new approved Home Equity FirstLine applications received from 12/1/19 to 12/31/19. Credit line account must be opened within 60 days of application date. Refinancing of existing First Hawaiian Bank loans, lines of credit or credit cards, and Home Equity FirstLine locks, personal lines of credit, and lines to purchase and install a new photovoltaic system, do not qualify for the rate offer. Only credit lines secured by Hawaii and Guam properties are eligible. Cannot be combined with other special rates or promotions.

2. Up to $500 Credit: If refinancing a non-First Hawaiian Bank loan or credit line, you may receive a credit at account opening of up to $500 to reimburse you for any early closing or termination fees assessed by your current lender upon verification that a fee has been assessed.

Member FDIC