Bank of Hawaii
Bank of Hawaii Regular or Bonus Rate Savings $75 – $300 Bonus
Bank of Hawaii pays you $75, $150 or $300 for a new Regular or Bonus Rate Savings account. Deposit $5,000, $10,000 or $20,000 in new money within 30 days, then keep at least that much in the account every day from day 31 through day 90. No direct deposit needed. It earns only 0.01% APY, and closing within 180 days costs $40. For the bank's Hawaii, Guam, Saipan and Palau customers.
- Bonus range
- $75 – $300
- Expires
- Not listed
- Time to complete
- ~90 days
- Paid after opening
- ~120 days
- Difficulty
- Medium
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Requirements
Last verified: Nov 10, 2026
$75 Tier
Open a savings account
Open a new Regular Savings or Bonus Rate Savings account online or in a branch, with at least $100. Bank of Hawaii serves Hawaii, Guam, Saipan and Palau, and we have not confirmed its application accepts anyone outside those areas.
Deposit $5,000 in new money within 30 days
Deposit at least $5,000 in new money within 30 days of opening: a check from another bank, an incoming wire, an ACH credit, an online external transfer, or external funding when you open on boh.com. Transfers from another Bank of Hawaii account do not count.
Keep $5,000 every day, day 31 to day 90
Keep a daily balance of at least $5,000 every day from day 31 through day 90 after opening. One day below voids the bonus, even if a fee caused it.
$150 Tier
Open a savings account
Open a new Regular Savings or Bonus Rate Savings account online or in a branch, with at least $100. Bank of Hawaii serves Hawaii, Guam, Saipan and Palau, and we have not confirmed its application accepts anyone outside those areas.
Deposit $10,000 in new money within 30 days
Deposit at least $10,000 in new money within 30 days of opening: a check from another bank, an incoming wire, an ACH credit, an online external transfer, or external funding when you open on boh.com. Transfers from another Bank of Hawaii account do not count.
Keep $10,000 every day, day 31 to day 90
Keep a daily balance of at least $10,000 every day from day 31 through day 90 after opening. One day below voids the bonus, even if a fee caused it.
$300 Tier
Open a savings account
Open a new Regular Savings or Bonus Rate Savings account online or in a branch, with at least $100. Bank of Hawaii serves Hawaii, Guam, Saipan and Palau, and we have not confirmed its application accepts anyone outside those areas.
Deposit $20,000 in new money within 30 days
Deposit at least $20,000 in new money within 30 days of opening: a check from another bank, an incoming wire, an ACH credit, an online external transfer, or external funding when you open on boh.com. Transfers from another Bank of Hawaii account do not count.
Keep $20,000 every day, day 31 to day 90
Keep a daily balance of at least $20,000 every day from day 31 through day 90 after opening. One day below voids the bonus, even if a fee caused it.
The bank credits the bonus to the account within 120 days of opening, once all requirements are met.
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Account Details
- Regular Savings: no fee with a $300 daily balance, which the bonus balance covers.
- Bonus Rate Savings: no fee with a $500 daily balance, or a $25 monthly deposit and no withdrawals that month.
Accounts closed within 180 days of opening pay a $40 early closing fee. The account must be open and in good standing when the bonus is paid.
Eligibility
New and existing Bank of Hawaii customers can earn it, unless they have received another savings offer in 2024 or later.
- Bank of Hawaii has offices in Hawaii, Guam, Saipan (Northern Mariana Islands) and Palau. Its application asks for your location first, and we have not confirmed it accepts anyone outside those areas.
- One bonus per account and per customer. If an account is jointly owned, the bonus counts for both owners.
- Bankohana Bonus Rate Savings also qualifies but needs a Bankohana checking account with a $500 deposit. Bankohana Bonus Rate Savings Plus does not qualify.
Tips & Gotchas
- One day under your tier from day 31 through day 90 voids the bonus, so leave a cushion above the line.
- Choose Regular Savings or Bonus Rate Savings. Bankohana Bonus Rate Savings also qualifies but needs a Bankohana checking account with a $500 deposit.
- The account earns 0.01% APY, so the bonus is nearly all you earn on the money. Closing within 180 days costs $40.
- If you received another Bank of Hawaii savings offer in 2024 or later, you are not eligible.
Can You Earn This Bonus Again?
Fine Print
Valid for new Regular Savings, Bonus Rate Savings or Bankohana Bonus Rate Savings accounts opened on or after 8/4/2026 HST, online or in branch. Make new money deposits of $5,000, $10,000 or $20,000 within 30 days of opening and maintain that daily balance from day 31 through day 90 to earn $75, $150 or $300. Limit one savings bonus per account per customer. A customer who has received another savings offer in 2024 or later is not eligible. Accounts closed within 180 days pay a $40 early closing fee. The account must be open and in good standing when the bonus is paid. Reported on Form 1099-INT. Cannot be combined with other savings promotions. Offer can change or end without notice.
Taxable income · Reported on 1099-INT
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