Central Pacific Bank

Overview / Commentary
220 South King Street
Honolulu, HI 96813

Central Pacific Bank is headquartered in Honolulu and is the 4th largest bank in the state of Hawaii. It is also the 199th largest bank in the nation. It was established in 1954 and as of June of 2022, it had grown to 774 employees at 28 locations. Central Pacific Bank has an A health rating.

Reviews (7)


Central Pacific Bank is a great local bank. I went there to sign up for a bank account and they were really helpful and got me a fee free checking account really quickly. The whole process only took a few minutes and the lady who helped me was really nice and considerate. They even provided a welcome kit for me that included a lot of information on how the checking account worked and any fees that would be associated with using the account. They gave me a lot of stuff right there, I didn't have to wait for them to mail me the information or anything. They just handed it to me right there so I would be able to acquaint myself with with account.

CPB One Of The Best

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Branch tellers and personal bankers at the Main, Waikiki and Mapunapuna branches have always been courteous and helpful to me. Online banking is easy and convenient. Yeah, I know this sounds like a commercial but I'm actually a very satisfied customer. Been one for seventeen years.

CPB is a nice local bank.

Posted by: |

CPB is a nice local bank. I went there to sign up for a bank account and they were really helpful and got me a fee free checking account really quickly. The whole process only required a brief period and the lady who helped me was really nice and helpful. They even provided a welcome pack for me that included an overview on how the checking account worked and any fees that would be charged for using the account. They gave me a lot of the overview there, I didn't have to wait for them to mail me the overview or anything. They just handed the overview to me there so I would be able to familiarize myself with my account.

"I Guess I Can Help You!"

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I walked into the Kaneohe Branch on Monday, 9/19. I went there with the intent to open a second account and to ask about CDs. I noticed 2 employees talking with each other for a few minutes at the "new account" desk. I didn't mind at all and waited patiently. When they were done talking, I walked over to the desk and politely asked if there was a sign-in sheet for me to meet with someone (it was something I was used to and past practice at this particular location).
He then looked up at me when he heard my voice and rudely responded, "I GUESS I CAN HELP YOU?!"

It was so unexpected, I was taken by surprise (before anger set in). With a welcome like that, I said to him,

He tried to make up excuses as to why he said that to me. Instead, he made me feel like an inconvenience as if I walked in that afternoon intentionally to disrupt and ruin his day!

I've been banking there for 15 years and have never been treated with such disrespect!
I'm now researching other banks!

Horrible Hidden ATM Fees

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I was with Central Pacific Bank for over three years and loved it! Always very friendly tellers, gorgeous downtown bank lobby, I got interest in my checking account and up to $3 per ATM surcharge for non-CPB ATMs refunded to me up to $20 a month. Mid-September they switched their debit cards from Visa to Mastercard, slightly annoying but not a big deal since I didn't have any bills or anything tied to the card.

A few days later I look at my online bank account and there were two $1.50 ATM fees from when I'd used a Bank Of Hawaii ATM with my new card. Strange. I started poking around their website to see if the switch over to Mastercard had somehow changed my account. Turns out as of September 17th they no longer refund the surcharges AND tack on their $1.50 ATM fee for non-CPB ATMs unless you pay $60 a year to upgrade your checking account! Way to go for making a huge fuss over the switch from Visa to Mastercard and then sticking me with $8 in ATM surcharges and fees for TWO transactions ($4 a pop!) without so much as a letter clearly explaining the change. I wrote them a letter expressing my displeasure (no response yet) and opened a new account at Aloha Pacific FCU the next day and am just waiting for everything to settle in my account before I go shut it down. Horrible way to do business.

Do Not Bank With Central Pacific Bank!!

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They don't care about people!  I had hoped that I would be a new owner of one of the units at the Pensacola Chelsea in Makiki.  It was affordable and would have been a brand new building in town.  I can barely afford anything in town and this one gave me hope!  It was priced at about 300K.  It would have been my first time buying a home (condo).  I was excited about it and ready to purchase when all of a sudden I get a letter from the agent for the developer stating the Central Pacific Bank did not approve the extension on the project and the project went into foreclosure.  I found out that Central Pacific Bank did not grant the extension because they wanted to see if they could get more.  To make a long story short, they we lost the property because Central Pacific Bank wanted more money!!  They didn't care who they hurt; all to make a few extra bucks!  How greedy these banks are!!  Please do not bank with Central Pacific Bank!  This is in Hawaii and it's sad that they have no ALOHA!  I ask that you please do not support them!!


ABSOLUTELY TERRIBLE! My checks come from the mainland and they have to hold each one for over half a month! I should just now be getting my check from JANUARY today, but I wouldn't be surprised if they managed to screw that up.  I just tried signing up for online banking to actually see if they could do something right and tell me if my money is actually in the and it says that the bank has denied my card when I should have 1500 dollars in there right now.  It's pathetic. I also signed up for a loan the first day I got an account because I needed money right then considering they were holding 1500 dollars.  A week later and I still had no response as to whether I had gotten the loan or not.  Finally, after my third time going in, they call the people in charge of passing the loan and tell me that they're on a lunch break, can't get ahold of them and asked for a number they could call me at WHEN I HAD ALREADY GIVEN THEM MY NUMBER and within the next several hours, I find that my loan was denied.  I have 60,000 on a CD and have taken out loans before and it's denied now? Overall, this is a terrible bank and they don't deserve to have any customers.  I'd be embarassed to work here.


Health Grade Components

FDIC Certificate #17308
Year Established1954
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD13.38%
Annual Interest Income$108.0MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$7.29B$7.17B
LoansQ2 2022vs Q2 2021$5.24B$5.00B
DepositsQ2 2022vs Q2 2021$6.64B$6.41B
Equity CapitalQ2 2022vs Q2 2021$536.1MM$639.6MM
Loan Loss AllowanceQ2 2022vs Q2 2021$65.2MM$77.8MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$5.9MM$8.3MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0

Rates for Central Pacific Bank are currently being reviewed.



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