Frequently Asked Questions About Bank of Hawaii Routing Numbers
Why does Bank of Hawaii only have two routing numbers?
Bank of Hawaii's simple two-routing-number system reflects its focused geographic presence in Hawaii and the Pacific Islands. Unlike mainland banks that expanded through numerous acquisitions across many states, Bank of Hawaii has maintained a more concentrated regional presence since its founding in 1897. The bank operates primarily in Hawaii (with about 45 branches) and has a smaller presence in Guam and Saipan. This focused regional approach means the bank doesn't need separate routing numbers for different states or counties. The two routing numbers - one for Hawaii (121301028) and one for Guam/Saipan (121405018) - efficiently serve the bank's entire customer base while maintaining clear geographic distinction.
Can I use the Hawaii routing number if I'm in Guam, or vice versa?
No, you must use the routing number associated with where you originally opened your account. If you opened your account in Hawaii, you'll always use 121301028, even if you later move to Guam or the mainland United States. Similarly, if you opened your account in Guam or Saipan, you'll continue using 121405018 regardless of where you relocate. Using the wrong routing number will cause your transaction to fail or be delayed. The routing number is permanently tied to your account based on its originating location, not your current residence. Always verify your routing number by checking your personal checks or contacting Bank of Hawaii at 1-888-643-3888 before setting up new automatic transactions.
What's the difference between Bank of Hawaii's ACH and wire routing numbers?
Bank of Hawaii uses the same routing number for both ACH transfers and wire transfers, which simplifies the banking process for customers. Whether you're setting up direct deposit with your employer (ACH), paying bills electronically (ACH), or sending a same-day wire transfer, you'll use the same routing number: 121301028 for Hawaii accounts or 121405018 for Guam/Saipan accounts. This differs from some larger banks that maintain separate routing numbers for different transaction types. However, while the routing numbers are the same, the fees and processing times differ significantly. Wire transfers process same-day and cost $40-$75 for outgoing domestic wires depending on the amount, while ACH transfers take 1-3 business days but typically have lower or no fees.
How do I send or receive international wire transfers with Bank of Hawaii?
For international wire transfers, you'll need Bank of Hawaii's SWIFT code: BOHIUS77. This code identifies Bank of Hawaii in the international banking network and is required for all cross-border wire transfers. When receiving international funds, provide the sender with the SWIFT code (BOHIUS77), your account number, your routing number (121301028 for Hawaii or 121405018 for Guam/Saipan), and Bank of Hawaii's address (111 South King Street, Honolulu, HI 96813). International wire transfer fees at Bank of Hawaii range from $45 to $75 for outgoing transfers depending on the currency and amount, while incoming international wires cost $13. Processing times typically range from 1-5 business days depending on the sending country and any intermediary banks involved in the transfer.
Does Bank of Hawaii charge different fees for different account types?
Yes, Bank of Hawaii offers fee waivers for certain premium account types. Wire transfer fees are waived for Bankohana Cash Advantage Checking accounts and Bankohana Level II and Level III accounts. For standard checking accounts, outgoing domestic wire transfers cost $40 for amounts $5,000 or less, and $75 for amounts over $5,000. Incoming domestic wires cost $13. If you frequently send wire transfers, upgrading to a Bankohana account could save you hundreds of dollars annually in wire transfer fees. Contact Bank of Hawaii at 1-888-643-3888 to discuss which account type best suits your needs and whether you qualify for fee waivers.
