Central Pacific BankChecking accountChecked Oct 10, 2026Updated Oct 10, 2026

Central Pacific Shaka Checking

0.03%APY · as of Oct 10, 2026

A year for an everyday customer: $1 fees and interest, $2,000 kept
Monthly fee: $5 a month
To open: $25 to open
On our list: #52 of 986 checking accounts, by a year’s value for an everyday customer

Rate conditions

Balance needed for the APY: $0Source · checked Oct 10, 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 (transfers from one account to another do not qualify).
Source · checked Oct 10, 2026
APY when those aren’t met: 0.03%Source · checked Oct 10, 2026
APY paid on balances up to: $20,000Source · checked Oct 10, 2026
Interest compounds: Base Interest compounded daily and paid monthly. Reward Interest compounded monthly, paid monthlySource · checked Oct 10, 2026

Monthly fee: $5 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: $0 in monthly maintenance fees with online statement enrollmentSource · checked Oct 10, 2026
Minimum to open: $25Source · checked Oct 10, 2026
Overdraft fee: $32Source · checked Oct 10, 2026
Returned item (NSF) fee: $32Source · checked Oct 10, 2026
Most overdraft fees in a day: 160Source · checked Oct 10, 2026
ATM network: CPB or non-CPB ATMs worldwideSource · checked Oct 10, 2026
Out-of-network ATM fee: NoneSource · checked Oct 10, 2026
International ATM fee: NoneSource · checked Oct 10, 2026
ATM fees refunded, up to: $20 a monthSource · checked Oct 10, 2026
Incoming domestic wire: $12Source · checked Oct 10, 2026
Incoming international wire: $12Source · checked Oct 10, 2026
Paper statements: $5 a monthSource · checked Oct 10, 2026
Inactivity fee: $10Source · checked Oct 10, 2026
Early closure fee: $40Source · checked Oct 10, 2026
Cashier’s check: $12Source · checked Oct 10, 2026
Stop payment: $32Source · checked Oct 10, 2026
Card replacement: $20Source · checked Oct 10, 2026

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

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