Banks in Hawaii aren't hard to find, and any number of banks in Hawaii will meet most of your personal and small business retail banking needs; it's the little things and personal preferences that make or break everyday transactions in Hawaii retail banks.

Hawaii retail banking services run the gamut, so think about your everyday needs and desires. Would you rather do business with a big chain, or would you prefer Hawaii community banks? If you plan to do a lot of online banking in Hawaii, then you’ll need to compare Hawaii retail banks' websites to learn about online fees and services. Before you select from among retail banks in Hawaii, consider the following:

1. Large local chains have the most presence among banks in Hawaii.

2. If you prefer doing business with the locals, consider small Hawaii community banks.

3. Take the time to compare Hawaii banks online.

Action Steps
The best contacts and resources to help you get it done

Pick a large state chain for retail banking in Hawaii

If you think that size matters and want the full range of retail services, including checking, online banking, multiple ATMs, savings accounts and locations throughout the islands that the major retail banks in Hawaii provide, choose a large bank with local branches to do your retail banking in Hawaii.

I recommend: American Savings Bank and Central Pacific Bank have dozens of locations in Hawaii, including multiple branches in major cities.

Select from among smaller Hawaii banks if you want a local touch

If you prefer to do business at retail banks based in Hawaii, you'll want to select from among smaller community banking options. Make sure however, that you find a Hawaii retail bank that has all the services that you want. There are many local choices for your Hawaii retail banking needs; pick one of the larger ones if you want all the services offered by national chains.

I recommend: Look around your city and pick a local Hawaii bank that has branches in convenient locations. First Hawaiian Bank and Bank of Hawaii have many branches in the islands.

Use online tools to compare Hawaii banking services

If you want to compare checking policies or interest rates, or you're torn between 2 banks that fit your needs, use the Internet to find a Hawaii retail bank. Directories and search engines can narrow the field or help you make the final decision. Searching online and exploring different Hawaii banks' websites also allow you to compare Internet services.

I recommend: The State of Hawaii.com provides banking information and The Community Banker has a good run-down of Hawaii retail banks.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Ask your friends about their experiences with retail banks in Hawaii. First-hand accounts from a trusted source will tell you more about what the bank is really like to deal with than a brochure or website.