Introducing our Central Pacific Bank Referral Program! We would be thrilled to have you join our community of advocates. At CPB, we’ve always believed that our best growth comes from the people who know us best – our customers.

By sharing your love for CPB with friends and family, you’re not just helping them find a better banking experience; you’re also earning rewards for yourself.

Ready to share the love?

Get your referral link and start earning!

¹For you (referrer) and who you refer (referee) to receive a referral bonus, the following requirements must be met:

1. The referee opens a Shaka Checking, Value Checking, or Exceptional Checking Account between April 20, 2026 and September 25, 2026 using the unique referral link sent to them by you.
2. The referee makes at least one (1) debit card Point-of-Sale (POS) transaction within 60 days of account opening.

After a Shaka Checking or Value Checking account is opened by the referee and the requirements stated above are met, the referrer and referee will each receive a $20 referral bonus within 60 days by crediting the referrer’s existing checking account and referee’s new checking account. After an Exceptional Checking account is opened by the referee and the requirements stated above are met, the referrer and referee will each receive a $50 referral bonus within 60 days by crediting the referrer’s existing checking account and referee’s new checking account. Bonuses will be reported as interest to the primary account holders. Limit one bonus per new account. Offer is subject to change at any time and cannot be combined with other offers. Full program rules are available at cpb.bank/referral-terms.

² Value Checking and Shaka Checking are $25 to open online and $0 to open at the branch. Value Checking does not earn interest. Shaka Checking earns interest. The interest rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on the account.

∞Shaka Checking account has a special feature that pays a higher interest rate (Reward Interest Rate) and APY on Tier 1 balances if you meet ALL of the following transaction requirements during the calendar month

1. 15 or more debit card transactions (point-of-sale purchases) post to your account during the month totaling $75 or more (ATM transactions do not qualify); and
2. A qualified direct deposit is credited to your account during the month. A qualified direct deposit is a recurring electronic deposit of paychecks, Social Security benefits, or other regularly scheduled income payments of $25 or more (transfers from one account to another do not qualify).

When you meet all the transaction requirements, depending on your account balance, two different interest rates and APYs could be paid on your account during the month. The tiered interest rates and APYs shown below will be paid only on that portion of your balance that is within the tier range. If your account does not meet all the transaction requirements for the tiered rates, the Standard Rate Tier noted above will apply to your entire balance. The maximum monthly Reward Interest Rate earnings is $17.

^This is the daily balance (i.e., the amount of principal in the account each day).

+APYs current as of [Current Date]. The APYs shown for Tier 2 are for representative balances of $20,000.01 and $100,000. The APY decreases for larger balances because more interest is earned at the lower interest rate. Specifically, if you meet all the transaction requirements above during a calendar month, an APY of 1.00% would apply to account balances between $0 and $20,000. For account balances in excess of $20,000:

• An APY of 1.00% would apply to the first $20,000 of the total account balance; and
• An APY of 0.03% would apply to any portion of the account balance in excess of $20,000 (i.e., is equal to or greater than $20,000.01).

³ Exceptional Checking Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts. ANNUAL PERCENTAGE YIELDS current as of [Current Date]. A monthly service charge of $20.00 will be charged to your Account if you do not meet the minimum combined balance of $10,000 on any day of the month in your qualifying deposit and loan accounts designated in your Exceptional Plan. The service charge is waived for the calendar month in which the Account is opened.