What is your policy on overdrafts?

First Hawaiian Bank has a specific policy regarding overdrafts to help customers manage their accounts. Typically, an overdraft occurs when a customer withdraws more money than is available in their checking account. First Hawaiian Bank offers several options to help customers avoid or manage overdrafts. One option is an overdraft protection service, which can link a checking account to a savings account or a line of credit. If a transaction exceeds the available balance, the bank can cover the difference using funds from the linked account or line of credit. This service may incur certain fees and interest charges, depending on the terms associated with the linked account. Additionally, First Hawaiian Bank may charge a fee for each transaction that overdrafts the account if overdraft protection is not in place. It is important for customers to regularly monitor their account balances and understand their options for managing overdrafts effectively. For specific details regarding overdraft fees, limits, and protection options, as well as any updates to policies, it is advisable to visit the official First Hawaiian Bank website to review the most current information available.