First Hawaiian BankPrivate Banking United® Credit CardRegistry illustration · issuer artwork unavailable

Private Banking United® Credit CardFirst Hawaiian Bank · NM bank, GU · FDIC 17985

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

14.74%

p.1variable

Balance transfer

—

Cash advance APR

18%

p.1fixed

Annual fee

—

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	14.74% variableFirst Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“14.74% This APR will vary with the market based on the U.S. Prime Rate.”First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	—	no source read
APR for cash advances	18%First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“18.00% Fixed”First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late payment	18%First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“18.00% Fixed This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due.”First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	$0First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Foreign transaction	—	no source read
Penalty fees
Late payment	up to $40First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $40”First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Returned payment	up to $40First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $40”First Hawaiian Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1

Private Banking United Agreement_030126_Finalpage 1 of 5

UNITED ® CREDIT CARD AGREEMENT (Private Banking) Effective 03/01/2026

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 14.74% This APR will vary with the market based on the U.S. Prime Rate. APR for Balance Transfers · 2.99% Intro fixed APR for your first eight billing cycles following the opening of your account for balance transfers made within thirty days of account opening. After that, the APR will be 14.74%. This APR will vary with the market based on the U.S. Prime Rate. APR for Cash Advances · 18.00% Fixed Penalty APR and When it Applies · 18.00% Fixed This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due. Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire New Balance by the Payment Due Date each month. We will begin charging interest on Cash Advances on the transaction date. Minimum Interest Charge · If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore .

Fees Annual Fee · $0 introductory Annual Fee for the first year. After that, the Annual Fee will be $99 per account . Transaction Fees • Foreign Transaction • Balance Transfer • · None Either $5 or 5% of the amount of each Balance Transfer, whichever is greater Either $10 or 5% of the amount of each Cash Advance, whichever is greater Cash Advance Penalty Fees • Late Payment · Up to $40 • Returned Payment · Up to $40

How We Will Calculate Your Balance: We use a method called 'Average Daily Balance (including new Purchases).' See the paragraph of this Agreement titled 'Computing Your Interest Charge' for more details.

Loss of Introductory Balance Transfer APR: We may end your introductory Balance Transfer APR and apply the Penalty APR if you make a late payment.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in this Agreement.

SEE NEXT PAGE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT.

1 2 3 4 5Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“18.00% Fixed”
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First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“18.00% Fixed This APR may be applied to your account if you make a late payment. How Long Will the Penalty APR Apply?: This Penalty APR will apply until you make six consecutive Minimum Payments when due.”
Read exact source ↗
First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“14.74% This APR will vary with the market based on the U.S. Prime Rate.”
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First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $40”
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First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $40”
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First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire New Balance by the Payment Due Date each month. We will begin charging interest on Cash Advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
First Hawaiian Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire New Balance by the Payment Due Date each month. We will begin charging interest on Cash Advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Balance transfer fee, Cash advance APR, Late payment fee, Penalty APR, Purchase APR, Returned payment fee

Offered through: First Hawaiian Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 17985
Branches: 49 in GU, HI, MP
Sources: Official issuer · 1 document · 1 page cited

Documents

Private Banking United Agreement_030126_Finaleffective date not parsed

Private Banking United® Credit CardFirst Hawaiian Bank · NM bank, GU · FDIC 17985

Rates and fees