• Automatic account reconciliation • Automatic clearing house (“ACH”) debit and credit services • ACH debit block • Branch deposits • Automatic Remittance Processing • Cashmanagement and investment services • Demand deposit accounts • Depository services • Positive pay services • Electronic Funds Transfer— ACH wires • Lockbox services, including e-lockbox services • Electronic/online banking including balance reporting, check inquiry, ACH transmissions, internal transfers between accounts, wire transfers, and stop payments • Corporate credit cards • Banking supplies • Online banking services including image retrieval • Secure online banking payments collected in a batch deposit • A local officer and branch office in Hawaii • Provides bank statements by the 5th of the month • Can pledge collateral to secure deposits in excess of the FDIC coverage • Can offer real estate financing facility • Can offer municipal lease or other equipment financing line of credit (minimum $30 million) • Can offer short-term operating line of credit (minimum $10 million)
