RateHerald

APY

0.03%

As of Nov 8, 2026. Rates are variable.

Central Pacific Bank · Checking account

Central Pacific Shaka Checking

$1 a year for an everyday customer. $5 a month. $25 to open.

Checked Nov 8, 2026Updated

A year, everyday customer
$1
APY
Monthly fee
To open

Against the market

How it ranks

#55of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • ATM fee rebates
  • Bill pay
  • Check writing
  • Debit card
  • Early direct deposit
  • Interest bearing
  • Mobile check deposit
  • Online opening

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Rate conditions

Balance needed for the APY
$0shaka.cpb.bank, checked Nov 8, 2026
To earn the APY
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)
  • 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
shaka.cpb.bank, checked Nov 8, 2026
APY when those aren’t met
0.03%shaka.cpb.bank, checked Nov 8, 2026
APY paid on balances up to
$20,000shaka.cpb.bank, checked Nov 8, 2026

Fees

Monthly fee
$5 a monthcpb.bank, checked Nov 8, 2026
Ways to avoid the monthly fee
Enjoy $0 in monthly maintenance fees with online statement enrollmentcpb.bank, checked Nov 8, 2026
Minimum to open
$25shaka.cpb.bank, checked Nov 8, 2026
Overdraft fee
$32cpb.bank, checked Nov 8, 2026
Returned item (NSF) fee
$32cpb.bank, checked Nov 8, 2026
Overdraft transfer fee
$12.50cpb.bank, checked Nov 8, 2026
Most overdraft fees in a day
160cpb.bank, checked Nov 8, 2026
Out-of-network ATM fee
Nonecpb.bank, checked Nov 8, 2026
International ATM fee
Nonecpb.bank, checked Nov 8, 2026
ATM fees refunded, up to
$20 a monthcpb.bank, checked Nov 8, 2026
Incoming domestic wire
$12cpb.bank, checked Nov 8, 2026
Outgoing domestic wire
$40cpb.bank, checked Nov 8, 2026
Incoming international wire
$12cpb.bank, checked Nov 8, 2026
Outgoing international wire
$45cpb.bank, checked Nov 8, 2026
Paper statements
$5 a monthcpb.bank, checked Nov 8, 2026
Inactivity fee
$10cpb.bank, checked Nov 8, 2026
Early closure fee
$40cpb.bank, checked Nov 8, 2026
Cashier’s check
$12cpb.bank, checked Nov 8, 2026
Stop payment
$32cpb.bank, checked Nov 8, 2026
Card replacement
$20cpb.bank, checked Nov 8, 2026

Who can open it

Where
Hawaiicpb.bank, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money

See it on cpb.bank

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