Personal Banking :. Checking :. Exceptional Plan

Exceptional Plan

The Exceptional Plan offers maximum interest, maximum liquidity and valuable benefits.  Just open an Exceptional Checking account and maintain a minimum combined balance of $10,000 in Central Pacific Bank deposit and loan accounts (see qualifying accounts below).


Your Qualifying Accounts

Link any number of the following deposit or loan accounts to qualify for your Exceptional Plan:


Maximum Interest + Maximum Liquidity

With an Exceptional Plan, you can maximize your interest with a tiered interest-paying Exceptional Checking account, tiered interest-paying Exceptional Savings account, and “sweep” option from the checking to the savings account. You also have the convenience and liquidity of a checking account.


Monthly Summary of Accounts

You can easily review your financial situation with a monthly combined balance summary that lists all your accounts that are linked to your Exceptional Plan and the current balance in each.


Super Bank Benefits

  • Earns competitive, tiered interest rates
  • Free Central Pacific Bank Visa® CheckCard with loyalty rewards program
  • Free Online Banking
  • Free Online Bill Pay
  • Free INFOLINE Telephone Access
  • Free checks, up to $20 any style
  • No transaction fee for non-CPB ATM use 1
  • Freedom from ATM surcharge fees -- use any ATM in Hawaii and on the mainland and we pay your surcharge fees up to $3 per transaction, for unlimited access each month 1, 2
  • Free safe deposit box for first year, valued up to $40
  • Free official checks
  • Free notary service
  • Free travelers checks
  • Sweep to Exceptional Savings to maximize earnings
  • No annual fee for a Personal ExpressLine of Credit with Overdraft Protection

Member Security Benefits – ID ProtectALL

  • Payment card protection
  • Personal identity theft protection -- 6 months free Identity Guard®
  • $2,500 personal ID theft victim assistance

Member Savings Benefits

  • Shopping, dining, travel & entertainment discounts
  • Discounts on prescriptions, vision and hearing aids
  • Emergency travel assistance
  • $100,000 common carrier accidental death insurance
  • Plus much more!


1 Some non-CPB ATMs may impose surcharge fees that are separate from non-CPB transaction fees described above. Such ATMs should disclose these surcharge fees at the beginning of the transaction.
2 We will reimburse you up to $3 per transaction for any ATM surcharge fees incurred on your Exceptional Checking account for ATM usage nationwide.