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Get paid before you get paid. →           Our interest rates are always in your best interest. →           Check the surf, then deposit a check. →           Getting your cash shouldn’t cost you a dime. →           No monthly fees. No worries. →           Online is waaay better than in line. →           Save on ATM fees. Spend it on malasadas. →           No shirt, no pants, no problem. →

Get paid before you get paid


Get paid before you get paid.


Need your pay a few days before payday? Shaka lets you access your direct deposit paycheck up to two days early.

Setting Up Direct Deposit

Once your Shaka account is ready, you’ll have an option to switch your direct deposit online. This process is simple!

  • Click the link below to automatically link your direct deposit to your Shaka Checking account.
  • If you choose to set up direct deposit later or if your employer or payroll provider is not found, you can submit a direct deposit request by filling out and providing this form to your employer. Download a direct deposit form.

If you have questions about direct deposit, call our Customer Service Center at 808-544-0500.

Ready to open your Shaka Checking account?


Paycheck Details

To receive this feature, your employer or benefit provider must send your payroll by ACH to your Account and include the key phrases “Payroll” or “Direct Deposit” within the transaction description. Transactions without these key phrases in the description, or with unrecognized abbreviations of these phrases, will be processed as normal and will not be given the early paycheck benefit. We do not determine the transaction description.


The date on which you receive access to your direct deposit funds depends on when your employer or benefit provider submits the payment file. We generally make these funds available on the day that the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Customers should check their available balance for paycheck availability.


We’ve got your back.
And CPB has ours.

Shaka has deep roots. We’re backed by Central Pacific Bank,
which has been doing business in Hawaii for over 65 years.


Annual Percentage Yield (APY) effective May 21, 2024. Interest rates may change at any time after the account is opened. Fees may reduce earnings on accounts.

Balance Tiers Base Interest Rate Reward Interest Rate1 APY Min. Balance to Open Min. Balance2 to Earn Interest
Standard Rate 0.03% - 0.03% $25 $0
Tier 1 Rate
$0 - $20,000
0.03% 0.97% 1.00% $25 $0
Tier 2 Rate
$20,000.01 & Over
0.03% - 1.00% - 0.21%3 $25 $20,000.01

[1] Our Shaka account has a special feature that pays a higher interest rate (Reward Interest Rate) and APY on Tier 1 balances if you meet ALL of the following transaction requirements during the calendar month:

  1. 15 or more debit card transactions (point of-sale purchases) post to your account during the month totaling $75 or more (ATM transactions do not qualify); and
  2. A qualified direct deposit is credited to your account during the month. A qualified direct deposit is a recurring electronic deposit of paychecks, Social Security benefits, or other regularly scheduled income payments of $25 or more (transfers from one account to another do not qualify). 

When you meet all the transaction requirements, depending on your account balance, two different interest rates and APYs could be paid on your account during the month. The tiered interest rates and APYs shown above will be paid only on that portion of your balance that is within the tier range. If your account does not meet all the transaction requirements for the tiered rates, the Standard Rate Tier noted above will apply to your entire balance. The maximum monthly Reward Interest Rate earnings is $17.

[2] This is the daily balance (i.e., the amount of principal in the account each day).

[3] The APYs shown are for representative balances of $20,000.01 and $100,000. The APY decreases for larger balances because more interest is earned at the lower interest rate. Specifically, if you meet all the transaction requirements above during a calendar month, an APY of 1.00% would apply to account balances between $0 and $20,000. For account balances in excess of $20,000:

  • An APY of 1.00% would apply to the first $20,000 of the total account balance; and
  • An APY of 0.03% would apply to any portion of the account balance in excess of $20,000 (i.e., is equal to or greater than $20,000.01).

If your account contains a zero balance for 60 days, we reserve the right to automatically close the account.