19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 7, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $5, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Compared at $12.50, the middle of its prices
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Hawaii, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Hawaii National Bank’s own schedules, with a source for each figure.
per month
per month
per month
per month
per month
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee (audience not stated, treated as personal) | $15 | per month | None |
| Monthly Service Fee | No charge | per month | None |
| Monthly Service Fee | $3 | per month | None |
| Monthly Service Fee | $10 | per month | None |
| Monthly Service Fee | $5 | per month | None |
| Early Account Closing Fee | $30 | Not stated | None |
| Paper Statement Fee (audience not stated, treated as personal) | $2 | Not stated | None |
| Excessive withdrawals, each: 3rd party/Telephonic (audience not stated, treated as personal) | $5 | per item | None |
| Undelivered Statement/Mail (audience not stated, treated as personal) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Non Sufficient Funds (NSF), per item: Item paid (audience not stated, treated as personal) | $25 | Not stated | None |
| Non Sufficient Funds (NSF), per item: Item returned (audience not stated, treated as personal) | $25 | Not stated | None |
| Non Sufficient Funds Fee | No charge | Not stated | None |
ATM & Card | |||
| Foreign ATM | $1Not compared: Monthly charge, not per item | per month | None |
| Foreign ATM | $0.50 | Not stated | None |
| Hawaii National Bank ATM | No charge | Not stated | None |
| Card Replacement | $10 | Not stated | None |
Wire Transfers | |||
| Incoming Wires (audience not stated, treated as personal) | $10 | Not stated | None |
| Personal: Outgoing Wires (Foreign & Domestic) | $55 | Not stated | None |
Check Services | |||
| Official Check (for closing balance) | $10 | Not stated | None |
| Stop payment (after 90 days) | $30 | Not stated | None |
| Temporary Checks, per page (audience not stated, treated as personal) | $2 | per item | None |
| Image copy of deposit or check (audience not stated, treated as personal) | $2 | per item | None |
Digital & Electronic | |||
| Per ACH File (audience not stated, treated as personal) | $10 | Not stated | None |
| Bill Pay Monthly Fee (audience not stated, treated as personal) | No charge | per month | None |
| Bill Pay Monthly Fee (audience not stated, treated as personal) | $5.95 | per month | None |
Cash & Deposit | |||
| Returned Deposited Item (audience not stated, treated as personal) | $7 | Not stated | None |
Account Services | |||
| Safe Deposit Box 10" x 10" (audience not stated, treated as personal) | $165 | Not stated | None |
| Safe Deposit Box 10" x 10" (audience not stated, treated as personal) | $330 | Not stated | None |
| Safe Deposit Box 2" x 5" (audience not stated, treated as personal) | $70 | Not stated | None |
| Safe Deposit Box 2" x 5" (audience not stated, treated as personal) | $35 | Not stated | None |
| Safe Deposit Box 3" x 5" (audience not stated, treated as personal) | $45 | Not stated | None |
| Safe Deposit Box 5" x 10" (audience not stated, treated as personal) | $100 | Not stated | None |
| Safe Deposit Box 5" x 10" (audience not stated, treated as personal) | $200 | Not stated | None |
| Safe Deposit Box 5" x 5" (audience not stated, treated as personal) | $65 | Not stated | None |
| Safe Deposit Box 5" x 5" (audience not stated, treated as personal) | $130 | Not stated | None |
| Two Keys/Forced Opening (Drill) | $120Not compared: Box drilling or key fee | Not stated | None |
| Verification of Account (Letter) (audience not stated, treated as personal) | $20 | Not stated | None |
Lending Fees | |||
| Late Payment, per month | $2Not compared: Monthly charge, not per item | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee | No charge | per month | None |
| Monthly Service Fee | $3 | per month | None |
| Monthly Service Fee | $10 | per month | None |
| Monthly Service Fee | $5 | per month | None |
| Early Account Closing Fee | $30 | Not stated | None |
| Business Savings Account: Undelivered Statement/Mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Non Sufficient Funds Fee | No charge | Not stated | None |
ATM & Card | |||
| Foreign ATM | $1Not compared: Monthly charge, not per item | per month | None |
| Foreign ATM | $0.50 | Not stated | None |
| Hawaii National Bank ATM | No charge | Not stated | None |
| Card Replacement | $10 | Not stated | None |
Check Services | |||
| Official Check (for closing balance) | $10 | Not stated | None |
| Stop payment (after 90 days) | $30 | Not stated | None |
Account Services | |||
| Two Keys/Forced Opening (Drill) | $120Not compared: Box drilling or key fee | Not stated | None |
Lending Fees | |||
| Late Payment, per month | $2Not compared: Monthly charge, not per item | per month | None |
Oct 7, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
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