Preparing your Bank of Hawaii accounts for estate transfer involves two primary strategies: designating beneficiaries on individual accounts and, where supported, retitling accounts into a revocable living trust. Both approaches bypass probate, but they work differently depending on the account type.

With 17 product types, Bank of Hawaii offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.

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1Visit any Bank of Hawaii branch with government-issued photo ID

2Request to add or update a POD (Payable on Death) beneficiary for deposit accounts or TOD (Transfer on Death) for investment accounts

3Provide beneficiary details: full name, date of birth, SSN, address, and relationship

4Specify percentage allocation if naming multiple beneficiaries

5Review and sign the designation form with a banker

Required Documents

Trust name, date established, and tax ID (EIN or SSN)

Special Requirements

Named beneficiaries override your will
Beneficiary does not need to be present
Contact Bankoh Investment Services at (808) 694-8500 for investment account beneficiary designations