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You’ll need $20,000 minimum deposit along with an Exceptional Checking account.
Central Pacific Bank is best for customers who want to do all their banking in one place.
Central Pacific Bank offers a menu of perks for families with multiple accounts at the bank.
Qualifying accounts include savings accounts, IRAs, CDs, loans, lines of credit and more.
Central Pacific Bank is a full-service bank with 28 branches on Oahu, Hawaii, Maui, and Kauai.
GOBankingRates named it one of theBest Banks in Hawaiifor 2025.
Shaka Checking
This account is 100% online and pays interest as high asAPY.
When you maintain a $10,000 combined balance, you get better interest rates and loan terms.
The Exceptional Checking account is a good starting point if you want to have all your accounts work together.
Value Checking
A basic checking account that provides a range of free services with no minimum balance.
Linking to other CPB accounts also offers additional perks and benefits.
you might earn high interest, have fees waived or link your accounts for additional benefits.
The accounts vary by minimum opening deposit, minimum balance to avoid the service fee and interest rate.
Unfortunately, you might have to look elsewhere for a high-yield option.
Central Pacific Bank has a special offer six-month CD withAPY.
Exceptional Plan customers get a slightly higher rate.
No monthly service fee
$0
Your CD balance counts toward your total balance requirement for the Exceptional Plan.
Otherwise, you’re able to get better rates elsewhere.
Qualifying accounts include savings accounts, IRAs, CDs, loans, lines of credit and more.
Open with just $100.
Customer reviews cite the ability to link outside accounts, providing a holistic view of your finances.
you could also transfer funds externally and categorize your spending to help with budgeting.
How Does Central Pacific Bank Compare?
All banks have something to offer.
Here are Central Pacific Banks strengths.
There are requirements such as minimum balances and direct deposit.
Bank of Hawaii also offers more competitive rates on CDs.
By maintaining all your accounts at CPB, you could qualify for better rates.
All other information on accounts is accurate as of Dec. 9, 2024.
All factors were then scored and combined, with the lowest score being the best.
All products and offerings had to be available as of Nov. 8, 2024, to be considered.
Rates are subject to change; unless otherwise noted, rates are updated periodically.
All other information on accounts is accurate as of Dec. 9, 2024.
There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate.
Interest rates are variable and subject to change at any time.
These rates are current as of 1/24/25.
There is no minimum balance requirement.
Additional information can be found athttp://www.sofi.com/legal/banking-rate-sheet.
See the SoFi Plus Terms and Conditions athttps://www.sofi.com/terms-of-use/#plus.
We do not charge any account, service or maintenance fees for SoFi Checking and Savings.
We do charge a transaction fee to process each outgoing wire transfer.
SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee.
Our fee policy is subject to change at any time.
See the SoFi Checking & Savings Fee Sheet for details atsofi.com/legal/banking-fees/.
SoFis ATM policies are subject to change at our discretion at any time.
