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Exceptional Checking

Exceptional Checking

Home  /  Personal Banking  /  Checking Accounts  /  Exceptional Checking

Limited time offers:


Cash First - Preferred Premium Certificate of Deposit (CD)


INTRODUCING THE CASH FIRST CD
$1,0001,2
cash up front
+2.00% APY | 24 MONTH

(Minimum $25,000 new funds from another institution. Must have CPB Exceptional Checking Account. Annual Percentage Yield (APY) is in addition to the $1,000 cash up front.)






Preferred Certificate of Deposit Special (CD)



EXCEPTIONAL CDS WITH CPB

3.85%APY
for 9 MONTHS1,3

(Minimum $15,000 new funds from another institution. Must have CPB Exceptional Checking Account.)



LEARN MORE



View All Rates
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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

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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 4
  • ATM Surcharge Rebates when you use any non-CPB ATM in Hawaii and on the mainland4,5
  • 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 protection6 annual fee is waived

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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)7
  • One Free Safe Deposit Box (up to $50 value) or $50 off larger box size8
  • Free Banking Services
    • Preferred Platinum Debit Mastercard® with Mastercard® benefits such as Identity Theft Alerts9 and Identity Theft Resolution Services
    • No ATM transaction fees when you use CPB ATMs
    • Online Banking10
    • Online Bill Pay10
    • Online Statements10 or Paper Statements for Exceptional Checking and accounts linked to your Exceptional Plan
    • Mobile Banking10
    • Mobile Deposit Service11
    • Infoline Telephone Banking

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1. As long as you are an Exceptional Plan customer, you may open and maintain Preferred Premium Certificate of Deposit.

2. Limited time offer. Limit to one Premium CD per customer where the customer is the primary owner of the CD. Annual Percentage Yield (APY) is accurate as of April 24, 2023. Minimum balance to obtain APY is $25,000 in new money. $1,000,000 maximum per customer. CD balance qualifies towards Exceptional Checking account required to participate. APY assumes interest will remain on deposit until maturity. Fees may reduce the earning on the CD account. Penalties will be imposed for early withdrawal. $1,000 bonus will be deposited into your Exceptional Checking account upon CD account opening. 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 cpb.bank/rates/personal.

3. Limited time offer. Annual Percentage Yield (APY) is accurate as of May 8, 2023. Minimum balance to obtain APY is $15,000. Customer may not have more than $1,000,000 in the CD. CD qualifies towards Exceptional Checking balance. APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the CD account. Penalty will be imposed for early withdrawal. Offer is subject to change and is not combinable with other offers. Other restrictions may apply.

4. 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.

5. 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.

6. Subject to credit application and approval. Interest charges and other fees may apply.

7. 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. 

8. $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.

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

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

11. Online Banking and Mobile Banking enrollment required.