First Hawaiian Bank is a full-service bank offering checking, savings, credit cards, loans, mortgages, and online banking with FDIC insurance and locations across Hawaii, Guam, and CNMI.
Data compiled from public sources · Rating from CreditDoc methodology
First Hawaiian Bank has been serving Hawaii's communities for 165 years, establishing itself as a deeply rooted financial institution with strong local presence and commitment to the regions it serves. The bank offers a comprehensive suite of consumer and business banking products, including checking and savings accounts, credit cards, personal loans, mortgage and refinance options, investment services, and insurance products. Customers can access services through multiple channels: physical branches, FHB Online, FHB Mobile app, and FHB Commercial Online (formerly OBC) for business customers in Hawaii, Guam, and CNMI.
The bank emphasizes relationship banking and personalized service, with executive leadership highlighting tailored solutions and community-focused lending practices. What distinguishes First Hawaiian Bank is its deep integration into Hawaiian culture and community values, reflected in its branch architecture inspired by Hawaii's history and culture, 165-year legacy of community involvement, and focus on supporting local small businesses. The bank offers Priority Banking with promotional benefits ($350 statement credit for new accounts with direct deposits), current mortgage rates advertised on their site, fraud protection and security education, and specialized services like private banking and mortgage lending with dedicated loan officers.
Multi-language support (English and Japanese) is available. S. banking.
The bank maintains a robust security posture with explicit fraud warnings and commitment to never requesting sensitive information via unsolicited contact. However, at the time of the website content capture, both FHB Online and FHB Commercial Online services were unavailable with no specified resolution time, and business online banking was undergoing maintenance (scheduled for May 27-31, 2022), indicating potential service disruption issues. The website emphasizes hiring and career development, suggesting organizational investment in staff.
First Hawaiian Bank is best suited for Hawaii, Guam, and CNMI residents seeking full-service banking with local community roots, relationship-based lending, and integrated financial solutions. S. customers.
Service availability issues documented on the website suggest potential operational reliability concerns worth monitoring before account opening.
First Hawaiian Bank received 41 consumer complaints in the past 12 months. All complaints received a timely response from the company.
41
Complaints (12 months)
11.1%
Resolved with relief
Increasing
Complaint trend
Most Common Complaint Categories
49 FDIC-insured branch locations nationwide.
Ranked #5 in HI for SBA 7A lending in FY2022.
Source: Consumer Financial Protection Bureau · SBA · FDIC BankFind
First Hawaiian Bank processed 2,230 mortgage applications in 2023, approving 74.4% of applicants across 3 states.
2,230
Applications
74.4%
Approval Rate
$401K
Avg Loan
3
States Served
Based on 2,230 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
First Hawaiian Bank offers 13 services including Personal checking accounts, Savings accounts and certificates of deposit (CDs), FHB Mastercard credit cards with rewards and benefits, Debit cards, Personal loans, and 8 more.
First Hawaiian Bank is best suited for Hawaii residents seeking full-service banking with local community commitment and relationship-based lending, Small business owners in Hawaii, Guam, or CNMI needing integrated commercial banking and dedicated business managers, Customers prioritizing FDIC insurance, fraud protection, and personalized service over fintech convenience, Mortgage borrowers in Pacific regions looking for local loan officers and relationship-based home lending.
Key strengths: FDIC-insured deposits backed by full faith and credit of U.S. Government; 165-year operational history with deep community roots and local presence across Hawaii, Guam, and CNMI; Comprehensive product suite: checking, savings, credit cards, loans, mortgages, investments, and insurance. Areas to consider: Geographic limitation: services only available in Hawaii, Guam, and CNMI—not suitable for mainland U.S. customers; Website documented both personal and commercial online banking unavailable at time of content capture with unclear resolution timelines.
In the Banks category, comparable providers include American Savings Bank, National Association, Bank of Hawaii, Central Pacific Bank. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
First Hawaiian Bank is best for Hawaii, Guam, and CNMI residents who value local community banking relationships, personalized service, and integrated financial solutions from an established institution with deep regional roots. The primary caveat is strict geographic limitation to Pacific territories—mainland U.S. customers cannot access services—and documented online banking service disruptions suggest reliability concerns worth investigating before account opening.
American Savings Bank is a Hawaii-based national bank offering personal and business banking, mortgages, loans, credit cards, and investment services through branches, online, and mobile platforms.
Best for: Hawaii residents seeking local banking with community-focused rewards and merchant discounts, Small business owners and commercial entities operating in Hawaii requiring business banking services
Bank of Hawaii is a 125-year-old regional bank serving Hawaii, Guam, and Saipan with FDIC-insured deposits, checking/savings accounts, credit cards, and investment services.
Best for: Hawaii, Guam, and Saipan residents seeking comprehensive local banking with community relationship focus, Homeowners looking for residential lending products and HELOCs with a local Hawaii lender
Central Pacific Bank is a full-service bank offering personal checking, savings, loans, mortgages, credit cards, and wealth management services through digital and branch channels.
Best for: Small business owners seeking integrated business banking, lending, and merchant services, High-net-worth individuals interested in private banking, trust services, and investment management
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