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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.

Qualifying accounts include:

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

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 1
  • ATM Surcharge Rebates when you use any non-CPB ATM in Hawaii and on the mainland1,2
  • 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 protection3 annual fee is waived
Exceptional Plan Benefits

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 – Invite 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)4
  • Free Online or Paper Statements
  • One Free Safe Deposit Box (up to $50 value) or $50 off larger box size5
  • Free Banking Services
    • Preferred Platinum Debit MasterCard® with MasterCard® benefits such as Identity Theft Alerts6 and Personal Identity Theft Resolution Services
    • No ATM transaction fees when you use CPB ATMs
    • Online Banking7
    • Online Bill Pay7
    • Online Statements7 or Paper Statements for Exceptional Checking and accounts linked to your Exceptional Plan
    • Mobile Banking7
    • Mobile Deposit Service8
    • Infoline Telephone Banking
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  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 Coupon must be presented at the time the new Exceptional Checking Account (“Sponsored Account”) is opened. Coupons will be mailed to you once a year. You may not use your own coupon to open or maintain a Sponsored Account for yourself. Sponsored Accounts do not have the Family Plan benefit of referring their family members. See branch for details.
  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 mastercard.us/idprotectiononline.com.
  7. Online Banking enrollment required. For information and to enroll, click here.
  8. Online Banking and Mobile Banking enrollment required.
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