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Exceptional Checking

Exceptional Checking

Combine your balances across linked accounts to unlock exceptional benefits.
Open an Exceptional Checking account and begin building your Exceptional Plan. Link qualifying deposit and loan accounts to your Exceptional Plan and maintain a $10,000 minimum combined balance to avoid a $20 monthly service charge.

Limited time offer:

for 11 months

(requires $10,000 new money from another institution)

To qualify for this rate, you must either open or have an Exceptional Checking account with us. This CD special automatically meets the minimum requirement to avoid service charge on our Exceptional Checking account.

Featured benefits of a CD include:

  • Safe investment, regardless of how the market does
  • Predictability in how much your money will grow
  • View your balance anytime over online and mobile banking

Are you ready to boost your savings with exceptional rates? Visit a branch today. For more information call our Customer Service Center at 808-544-0500.

Not an Exceptional Checking account customer? Click below to find out why having an Exceptional Checking account is so exceptional!


1. Limited time offer. Annual Percentage Yield (APY) is accurate as of February 6, 2023. Minimum balance to obtain APY is $10,000. $1,000,000 maximum per customer. CD qualifies towards Exceptional Checking balance. APY assumes interest will remain on deposit until maturity. Fees may reduce the earning on the CD account. A penalty may be imposed for early withdrawal. Offer is subject to change and is not combinable with other offers. Other restrictions may apply. All CPB CD specials are FDIC insured, up to $250,000 per category. Full list of rates available at

View All Rates

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 or up to $20 off any style, per order
  • No ATM Transaction Fees when you use any non-CPB ATM 2
  • 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
  • Personal ExpressLine of Credit overdraft protection4 annual fee is waived


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)
  • 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
    • 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
    • Mobile Deposit Service9
    • Infoline Telephone Banking

  1. Non-CPB ATMs may impose surcharges that are separate from and in addition to our ATM Transaction Fee and should disclose their surcharge fee at the beginning of the transaction.
  2. 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.
  3. Subject to credit application and approval. Interest charges and other fees may apply.
  4. 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
  5. $50 discount includes a $5 discount for automatic payment of rental fees. Automatic payment from an eligible CPB account is required. Safe deposit box contents are not insured by Central Pacific Bank, the FDIC, or any other government agency.
  6. Online enrollment required. For information and to enroll, visit mastercardus./
  7. Online Banking enrollment required. For information and to enroll, click here. Standard data usage fees apply. Contact your wireless carrier for details.
  8. Online Banking and Mobile Banking enrollment required.