skip to main content

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

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.

Exceptional CD Rates

Take advantage of our CD rates with exceptional Annual Percentage Yield (APY), only available to our Exceptional Checking customers!*


6 Months


12 Months


*Limited time offer. Annual Percentage Yield (APY) is accurate as of September 26, 2022. A minimum deposit of $10,000 from another financial institution is required to obtain APY. A CPB Exceptional Checking account is required to receive this rate. The APY assumes interest will remain on deposit until maturity. $10,000 deposit will count towards the qualified combined balance for an Exceptional Checking account. Fees may reduce the earnings 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.

Connect With Us

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 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 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)4
  • 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 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

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.