Leaving Website Disclosure

This link will redirect you to a site that may have certain associated risks, including not being insured by federal deposit insurance.

To remain at our site, click BACK. To leave our site for the link you selected, click PROCEED.

Exceptional Checking

Exceptional Checking

Your financial needs are just as unique as you are. 

Start your Exceptional Plan by opening an Exceptional Checking account. Link qualifying accounts to your Exceptional Plan and maintain a $10,000 minimum combined balance to avoid a $20 monthly service charge. Enjoy a totally free checking account when you maintain your balances.

Open Account

Adobestock 112402619

Boost your savings

A CD is a great option for you if you are looking for a safe and secure way to grow your savings. By signing up for our Exceptional Checking account, you not only gain access to all the benefits of a traditional checking account, but you also unlock the opportunity to enjoy our competitive CD rates.

Learn More About CDs Limited Time Offer


Greenlight - Your newest CPB Perk!

The debit card for kids, and so much more. CPB is excited to share that we’re offering your family a subscription to Greenlight1, the debit card and money app for kids and teens, totally on us when connected with a CPB Checking Account.

Qualifying accounts include:


  • Personal Checking Accounts
  • Personal Savings Accounts including
    • Exceptional Savings
    • Exceptional Super Savings
  • Certificates of Deposit (CDs)
  • Roth/Traditional IRAs
  • Personal Loans (excluding mortgages and Home Equity Loans)
  • Personal Lines of Credit (excluding credit cards)
  • Home Equity Lines of Credit (HELOC)
  • PV Power Loans

Exceptional Checking

  • $500 minimum opening deposit
  • Earns competitive, tiered interest rates
  • Free CPB Beautiful Hawaii checks (single only) or up to $20 off any style per order, with regular bulk shipping.
  • ATM Transaction Fees are waived when you use any non-CPB ATM worldwide2
  • ATM Surcharge Rebates when you use any non-CPB ATM in Hawaii and on the mainland2,3
  • No Incoming Wire Transfer fees
  • Option to sweep funds over a selected balance amount daily to an Exceptional Savings or Exceptional Super Savings account to maximize earnings
  • Exceptional Checking or Exceptional Choice Checking required to waive the Personal Express Line of Credit Annual Fee and Home Equity Line of Credit Annual Fee4

Exceptional Plan Benefits

  • Exceptional Preferred CDs and IRAs, Exceptional Savings and Exceptional Super Savings accounts offering higher interest rates
  • Free Official Checks
  • Free Notary Service (Call for appointment)
  • No ATM Transaction Fees when you use any CPB or non-CPB ATM worldwide2
  • Family Plan – Refer up to three family members to open their own Exceptional Checking account with no minimum combined balance requirement and no monthly service charge. Minimum opening deposit is just $100 (normally $500)5
  • One Free Safe Deposit Box (up to $50 value) or $50 off larger box size6
  • Free Banking Services
    • Free transfers to Greenlight accounts (a debit card and banking app for kids and teens)1
    • Preferred Platinum Debit Mastercard® with Mastercard® benefits such as Identity Theft Alerts7 and Identity Theft Resolution Services
    • No ATM transaction fees when you use CPB ATMs
    • Online Banking8
    • Online Bill Pay8
    • Online Statements8 or Paper Statements for Exceptional Checking and accounts linked to your Exceptional Plan
    • Mobile Banking8,9
    • Mobile Deposit Service8,9
    • Infoline Telephone Banking

Open Account

1. Greenlight is a financial technology company, not a bank. The Greenlight app facilitates banking services through Community Federal Savings Bank (CFSB), Member FDIC.

Greenlight issued debit cards will be charged a CPB ATM surcharge fee when using a CPB ATM. This fee will be displayed on the ATM before you complete your transaction.

2. Non-CPB ATMs may impose surcharges that are separate from and in addition to our ATM Transaction Fees and should disclose their surcharge fee at the beginning of the transaction.

3. We will reimburse you up to $4 per transaction for ATM surcharges from other banks and ATM operators incurred on your Exceptional Checking account for ATM usage nationwide.

4. Subject to credit application and approval. Interest charges and other fees may apply. Exceptional Checking or Exceptional Choice Checking required to waive the Personal Express Line of Credit Annual Fee and Home Equity Line of Credit Annual Fee, ownership of both deposit and line accounts have to be the same.

5. You may refer up to three family members. A Family Plan Referral Code must be presented at the time the new Exceptional Checking Account (“Sponsored Account”) is opened. For details, click here.

6. $50 discount includes a $5 discount for automatic payment of rental fees. Automatic payment from Exceptional/Exceptional Choice Checking is required, and the Primary owner of the safe deposit box must be an owner of the Exceptional/Exceptional Choice Checking account linked for automatic payment.  One safe deposit discount per Exceptional/Exceptional Choice Checking.  Safe deposit box contents are not insured by Central Pacific Bank, the FDIC, or any other government agency.

7. Online enrollment required. For information and to enroll, visit mastercardus./idprotectiononline.com.

8. Online Banking enrollment required. For information and to enroll, click here.Standard data usage fees apply. Contact your wireless carrier for details.

9. Online Banking and Mobile Banking enrollment required.