Introduction. By requesting electronic delivery
of your periodic statement, you agree to the terms of this
Amendment, as well as any online instructions we provide
concerning electronic statements. This Amendment supplements,
but does not replace, the Terms and Conditions for FHB Online
and FHB Online for Business (collectively called "FHB Online").
In addition, as applicable, this Amendment supplements, but does
not replace, the following: (i) the Deposit Account Rules and
Regulations and Other Information ("Deposit Rules") applicable
to your First Hawaiian Bank ("FHB") deposit accounts; (ii) the
Yes-Check Reserve Line of Credit Account Agreement (“Yes-Check
Agreement”) applicable to any Yes-Check account that you have
with FHB; and (iii) cardholder agreements for any MasterCard
or Visa credit card that was issued to you by FHB (the “Credit
Receiving Statements Electronically.
1. Who Can Request Electronic Statements. You must be
enrolled in FHB Online and provide us with your current e-mail address
to request electronic delivery of your statement.
2. Joint Accounts. If you have a joint account, any one of
the accountholders can request electronic delivery of the
statement. Any one of the joint accountholders can also terminate
electronic statements at any time, as described in Section IV
3. Types of Accounts with Electronic Statements. There
will be an account list in the Statement section indicating which
accounts are eligible for electronic statements. If you receive a
paper combined statement listing various FHB accounts, your
electronic statement will continue to show the same accounts
unless you have requested a change to the account included in
your combined statement. If you have more than one checking
account listed on a combined statement, you will only be able to
select electronic statements for the primary checking account. If
you request an electronic statement for the checking account to
which your Yes-Check account is linked, you will also receive
your Yes-Check statement electronically (see below for special
information regarding electronic Yes-Check statements).
4. Selecting Statement Preference. When you request that
your statement be delivered electronically by selecting the
“eStatements” option, you will no longer receive paper statements.
This election will continue to apply until a change in delivery
methods is implemented as provided below (please see paragraph IV.1
below on how to cancel electronic statements). If you want to
receive both electronic and paper statements for any account(s)
other than credit card accounts, you may request this by making that
selection through FHB Online. The option of receiving both
electronic and paper statements is not available for credit card
accounts. You must choose either electronic or paper statements
for credit card accounts.
5. Paper Statement Fee. A fee of $5.00/mo. will be charged
each month on accounts that receive a paper statement in addition
to an eStatement. There is no fee to receive either a paper
statement or an eStatement. As noted above, the option of receiving
both electronic and paper statements is not available for credit
6. Checking Accounts: No Returned Checks. If you receive
images of your cancelled checks with your paper checking account
statement, when you request electronic delivery of your statement
you will automatically be enrolled in our CheckStorage service, and
you will no longer receive your cancelled check images. Our
CheckStorage service stores images of your cancelled checks. You can
obtain imaged copies of cancelled checks by contacting any FHB branch.
There is no charge for our CheckStorage service, but there is a per
item fee if you request more than six image copies of cancelled
checks per statement period.
7. Special Information for Electronic Yes-Check and Credit Card
Statements. When you receive your Yes-Check or credit card
statement electronically, we will not mail you a paper billing
statement. You may make payments by any method permitted under the
Yes-Check Agreement or the Credit Card Agreement, as applicable.
8. All Other Statement Requirements Continue to Apply. All of
the terms and conditions relating to statements contained in the FHB
Online Terms and Conditions, Deposit Rules, Yes-Check Agreement, and/or
Credit Card Agreement (as applicable) continue to apply to your
statement when it is delivered electronically. For example, you must
continue to review your statement and report any errors to us within
the time limits described in the FHB Online Terms and Conditions,
Deposit Rules, Yes-Check Agreement, and/or Credit Card Agreement, using
the date your electronic statement was delivered as the “mailing” date.
How to Access Electronic Statements.
1. Notification via E-Mail. When your electronic statement
is available for viewing, we will send you an e-mail notification to the
e-mail address you provide to us for FHB Online. The notification
will contain instructions for you to use to access your
electronic statement. In order to access your electronic
statement, you will need to log on to FHB Online and follow the
2. Accessing Your Electronic Statement. In order to view
your electronic statement, you will need to use the adobe acrobat
reader, which is available free at http://get.adobe.com/reader/.
The FHB Online Terms and Conditions contain information on the
requirements necessary to access FHB Online.
3. Change in Your E-Mail Address. If you change your email address,
you need to provide us with your new email address in order to continue
receiving email notification that your electronic statement is available
for viewing. To change your email address, log into FHB Online and click
on Settings. Your statement will remain available to you electronically at
FHB Online until a change in delivery methods is implemented as provided below.
of Electronic Statements.
1. By you. If you decide that you would rather receive
paper statements by mail, you can request that we stop delivering
your statement electronically by changing your statement delivery
preference for the specific account on FHB Online. It will take
us one full statement cycle before we can stop delivering your
statement electronically, but in the meantime you can request a
paper copy of your statement if necessary. If you want to have
your cancelled check images returned with your paper checking account
statement, you will also need to cancel CheckStorage by notifying your
branch (there may be a fee for having your check images
returned). If you terminate your use of FHB Online, you will be
automatically converted to paper statements for your account(s).
If you close an account receiving electronic statements, your
closed account will be accessible in an inquiry-only status on
FHB Online for thirty days after it is closed to enable you to
view your final statement. We will not send you a paper statement
for your final statement.
2. By us. We reserve the right to stop delivering your
statement electronically at any time by giving you a notice. If
we close an account receiving electronic statements, your closed
account will be accessible in an inquiry-only status on FHB
Online for a limited period of time after it is closed to enable
you to view your final statement, and you will not be sent a
final paper statement. If we decide to stop delivering your
statement electronically or terminate your use of FHB Online, we
will continue to send you paper statements.