Which CPB Deposit Account is Right for You? A Simple Guide to Managing Your Money

Why Having a Deposit Account Matters

A deposit account is one of the easiest ways to manage your money securely and efficiently. Here’s why it’s important:

• Keeps your money safe. Your funds are FDIC insured up to $250,000, giving you peace of mind.
• Simplifies money management. With CPB’s online and mobile banking, you can track spending, pay bills, and transfer funds anytime.
• Helps your money grow. Savings accounts and certificates of deposit (CDs) allow you to earn interest while keeping your funds secure.
• Builds better financial habits. A checking or savings account helps you stay organized and reach your financial goals faster.

Checking Accounts at CPB

Checking accounts offer the convenience you need for everyday transactions. Whether you prefer a fully digital experience or a traditional approach, CPB has the right option for you.

Shaka Checking: Hawaii’s First and Only 100% Online Digital Checking Account

If you love the idea of managing your money entirely online, Shaka Checking is the way to go. It’s Hawaii’s first and only fully digital checking account, designed for people who prefer banking on their terms. You can open your account online, handle all transactions digitally, and enjoy a paperless experience – no need to visit a branch.

Exceptional Checking: Premium Perks for Exceptional Plan Customers

Looking for a checking account with extra perks? Exceptional Checking offers premium benefits, potential fee waivers, and exclusive banking features. It’s a great fit if you want more rewards and convenience from your banking experience.

Value Checking: A Simple, Reliable Option

Sometimes, simple is best. Value Checking is a no-frills checking account that makes everyday banking easy. If you want a straightforward account without the extras, this one’s for you.

Not sure which checking account is right for you? Take our quick survey to find the best fit:
[Check out CPB’s Checking Account Survey]

Savings Accounts at CPB

A savings account helps you build a financial cushion for the future, whether you’re saving for an emergency fund, a big purchase, or long-term financial security.

Exceptional Super Savings: A High-Yield Option for Exceptional Plan Customers

If you’re part of CPB’s Exceptional Plan, this account helps your money grow faster with higher interest rates while keeping your funds accessible.

Exceptional Savings: Another Solid Option for Exceptional Plan Members

Like Super Savings, this account is reserved for Exceptional Plan customers and offers competitive interest rates.

Personal Savings: A Flexible, Everyday Savings Account

If you’re looking for a dependable way to save, Personal Savings is a great choice. Whether you're setting aside money for an emergency fund, a vacation, or a big purchase, this account makes it easy to build your savings over time.

Starter Savings: A Great First Step for New Savers

If you're just getting into the habit of saving, Starter Savings is a great way to begin. It’s simple, low-maintenance, and designed to help you start your financial journey with confidence.

Which CPB Deposit Account is Right for You?

Here’s a quick guide to help you decide:

• Prefer an online-only banking experience? → Shaka Checking is for you.
• Looking for premium benefits? → Exceptional Checking & Exceptional Savings offer added perks.
• Want a straightforward checking account? → Value Checking is a solid choice.
• Trying to grow your savings? → Personal Savings or Exceptional Super Savings can help.
• New to saving? → Starter Savings makes it easy to start.

Get Started

Financial literacy is key to building a strong financial future. During Financial Literacy Month, take the time to review your banking options and make sure you’re using the right accounts to meet your needs.

Find the right checking account for you with our survey: CPB Checking Account Survey

Have questions? Stop by one of our branches or visit cpb.bank to learn more.