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Bank of Hawaii statement to QuickBooks or Xero: 24 months of eStatements, Quicken downloads and tie-out

Bank of Hawaii gives business clients two ways in online: complimentary Mobile and Online Banking for small businesses, and Bankoh Business Connections (BBC) for businesses that need things like multiple user access IDs, stop payments or faster payments (Bank of Hawaii: Business Online and Mobile Banking). Which one your client uses decides where the statements and downloads are. Here's what Bank of Hawaii's documents say, and don't, about getting a business account's history into QuickBooks or Xero. This guide covers Bank of Hawaii business checking and savings accounts, including clients in Guam, Saipan or Palau, which the bank's QuickBooks guide treats as a separate region from Hawaii (Bank of Hawaii: How to link your account to QuickBooks).

What Bank of Hawaii gives you

  • Up to 24 months of eStatements. The Mobile and Online Banking page says enabling electronic delivery gives access to up to 24 months of statements and documents (Bank of Hawaii: Mobile and Online Banking), and the Electronic Documents Service terms say online banking will retain up to 24 months of statements and notices, which can be printed or saved to your computer (Bank of Hawaii: Electronic Documents Service Supplement and Terms of Use, Rev. 06/2024).
  • Paperless is set under Statements and Documents. The same terms say delivery preferences are in the Accounts menu under Statements and Documents, and that once you turn on paperless delivery, paper versions stop (Bank of Hawaii: Electronic Documents Service Supplement).
  • A transaction download for Quicken. The Quicken Classic guide says to open the deposit account from the dashboard, click Download, choose Quicken under Download Transactions, pick a date range and click Export, then import the file in Quicken as a Web Connect (.QFX) file (Bank of Hawaii: How to link your account to Quicken Classic, updated 1/10/25).
  • A QuickBooks reconnect guide. The QuickBooks guide, updated April 3, 2025, walks through disconnecting the Bank of Hawaii account in QuickBooks, linking it again with the client's Bank of Hawaii login and a one-time code, and choosing the existing account in the account type list rather than Add new (Bank of Hawaii: How to link your account to QuickBooks).
  • Statements and history in BBC. The business online banking page lists check images, online bank statements and transaction views among the BBC features (Bank of Hawaii: Business Online and Mobile Banking). The Treasury Management page says automated balance and transaction reporting can send prior day account history files such as BAI2 or SWIFT MT940 for import into an accounting or treasury platform (Bank of Hawaii: Treasury Management Services).

Before you start

  • Find out which platform the client is on. The FAQ says the new online banking upgrade doesn't change how BBC accounts are accessed (Bank of Hawaii: FAQ), so the Quicken and QuickBooks guides above describe Mobile and Online Banking, not BBC.
  • Don't use the client's login. The business Terms of Use make the client responsible for safeguarding usernames, passwords and codes and for supervising anyone it permits to access the Services, and count anyone who has received or uses the security codes to make transfers as "you" under the agreement. They also mention procedures for requesting additional usernames, passwords and tokens (Bank of Hawaii: Mobile and Online Banking Terms of Use for Businesses, Rev. 07/2024). Ask for the statement PDFs and download files, or for your own user if the client's setup offers one.
  • Save every eStatement before anyone touches paperless. The Electronic Documents terms say that when electronic delivery of statements is cancelled, existing statements in Mobile and Online Banking are no longer available to view or download, and paper resumes at the next cycle (Bank of Hawaii: Electronic Documents Service Supplement). A client switching back to paper mid catch-up can lose the online copies in one click.
  • Keep the login in use. The Terms of Use say the bank may end access to the Services if they haven't been used at least once in the last 6 months, and that termination results in a loss of transaction history stored on the Services (Bank of Hawaii: Mobile and Online Banking Terms of Use for Businesses). Separately, the FAQ says a checking account with no activity for 12 months, or a savings account for 24 months, is considered inactive (Bank of Hawaii: FAQ), and the fee schedule lists a $5.00 monthly inactive fee, waived for some account types (Bank of Hawaii: Business Checking and Savings Account Fee Schedule).

Where Bank of Hawaii's documents don't line up

What Bank of Hawaii's documents don't say

  • Xero. None of the pages or agreements we read mention it.
  • Whether Download Transactions offers anything besides Quicken, such as a QuickBooks (.QBO) or CSV file, and what columns a CSV would have.
  • How many months of transaction history online banking shows, or how far back a download can reach.
  • What BBC itself lets you download, and how long BBC keeps online statements.
  • Whether eStatements stay reachable after an account closes.
  • What a limited or view-only business user can see in Mobile and Online Banking.

Older months and fees

The fee schedule lists a copy of a statement at $5.00 per statement, a faxed statement at $6.00, a transaction history printout (including SnapShot and Interim Statements) at no charge, with 45 days advance notice for an Interim Statement, copies of cleared checks or deposit slips at $2.50 per item, and research, described as reconciling monthly statements, at $17.50 per half hour or any fraction (Bank of Hawaii: Business Checking and Savings Account Fee Schedule, Rev. 06/11/2025). It also says it is part of both the Business Deposit Account Agreement and the Business Electronic Banking Services Agreement.

So save every statement and every download the client can reach now, starting with the oldest month online. For anything older than 24 months, ask the client for saved PDFs before ordering copies, and get a quote for any research first.

Clauses worth telling the client about

The business deposit agreement says the client agrees not to entrust the writing of checks and the reconcilement and review of account statements to the same person without frequent monitoring, and that the bank may deny a claim for forged, altered or unauthorized checks if the client doesn't follow these procedures (Bank of Hawaii: Business Deposit Account Agreement). An outside bookkeeper who reconciles but doesn't write checks fits that. A monthly tie-out supports the client's own review; it doesn't replace it.

The same agreement says that if the client doesn't report an unauthorized signature, alteration or other unauthorized debit within a reasonable time not exceeding 21 days, the bank isn't responsible for later non-ACH transactions by the same wrongdoer, and that anything not reported within 60 days after the statement is made available can't be asserted against the bank. For unauthorized ACH debits the windows are 24 hours for repeat transactions by the same wrongdoer and not more than 14 days overall (Bank of Hawaii: Business Deposit Account Agreement). A catch-up that starts months later can't recover those windows, so tell the client, and tie out each new statement as soon as it posts.

The agreement also says a notice or statement sent to any one owner counts as notice to all owners and authorized persons (Bank of Hawaii: Business Deposit Account Agreement). If the statement email goes to someone who has left, nobody may be reading it.

Which route for which months

  • Going forward: each eStatement, saved as soon as it posts, plus a feed or download for the same statement dates.
  • The last 24 months: the eStatements in online banking, with any download checked against them.
  • Older months: the client's saved statements, or copies from the bank once the client knows the price.

QuickBooks Online

Xero

  • Bank of Hawaii is on Xero's US list of banks with validated PDF extraction, as "Bank of Hawaii" (checked 27 Oct 2026), so high-quality results are likely, but Xero says it validates selected statement types and recommends OFX over PDF when your bank offers it. Bank of Hawaii's documents don't mention an OFX download, so for most months the statement PDF is the likely route. Xero's PDF import is for US and Canada organizations, not the Xero Ledger plan; files must be English, 35 MB or less, up to 100 pages, at least 200 DPI, not password protected, one file per bank account (Xero Central: import a PDF bank statement). Check every imported statement against the PDF.
  • If you build a CSV instead, Xero needs at least Date and Amount, with money in positive and money out negative in one column, and no opening or closing balance columns (Xero Central: import a bank statement in CSV format).
  • Xero treats lines matching ones already in Xero as duplicates and won't import them (Xero Central), but don't rely on that; import only the periods the account doesn't already have.

More detail: how to import bank statements into Xero from a PDF and closed bank account statements into QuickBooks or Xero.

Tie out each statement before you import

  1. Beginning balance + deposits − withdrawals = ending balance on the Bank of Hawaii statement, to the cent, using the statement's own period dates.
  2. Chain the statements: each ending balance equals the next statement's beginning balance, and each period starts the day after the last one ended. A gap or overlap usually means a missing statement.
  3. Sum the download's lines for the same dates and compare them with the statement's net change. A difference usually means a date range cut at month end instead of the statement end, a duplicate from an overlapping download, or an item that posted after the file was made.
  4. Spot-check the first and last days of the period and the largest few items against the PDF, using the check images for any check that doesn't match.

The full method is in check a bank statement PDF is complete before you import it. Our free tie-out checker runs in your browser and shows the row where a CSV stops balancing. Then reconcile one statement at a time, oldest first; if QuickBooks says the beginning balance is off, see beginning balance doesn't match.

Client also banks with City National Bank? See City National Bank statement to QuickBooks or Xero. Or Banner Bank? See Banner Bank statement to QuickBooks or Xero.

Where LedgerReady fits

For Bank of Hawaii, only 90 days of each eStatement is promised online, the only named download is for Quicken, and Bank of Hawaii's documents don't mention Xero, so the PDF statements are the record for most catch-ups, for Xero and for an account about to close. If you'd rather not convert and check each statement yourself, LedgerReady turns digital statement PDFs into a QBO file, a Xero CSV, a plain CSV and a tie-out sheet showing every statement matches its opening and closing balance. It costs $15 per statement-month, and we aim to deliver within 12 hours. Tie-out guarantee: if the output doesn't reconcile to the statement's opening and closing balances and we can't fix it, you don't pay for that statement.

Skip the manual work

We turn statement PDFs into QBO, Xero and CSV files plus a tie-out sheet. $15 per statement-month, $149 for a 12-month catch-up. Prefer to check it yourself? Our tie-out checker runs in your browser. See how pros do catch-up.

Try your first statement free

Bank menus change; labels here were accurate to our knowledge in Oct 2026, so check your bank's help pages if something differs.