SHAMEEEEEE!! So I…read morehave a lockbox with them that I pay for yearly, and to open it, I had to open a checking acct also, so I did. The other month I went in and the teller lady said they raised the monthly cost for a checking account to 5$ just within that week. From I think maybe 1$?? Or less. That's a huge jump first of all. Secondly, she said, in order to avoid that charge, they require a minimum of 500$ be in the account at all times. I said whatever, but fine. Deposited an additional 500$ on the spot to avoid paying 5$ a month. This was in late Sept early October I believe. (Note: this is not my primary bank, nor will it ever be at this point, so I do not typically keep much of a balance here because I never use this bank. ) Now, I check my statements and they've still been withdrawing 5$ every month from my account, even tho my balance is still above their minimum, it's being deducted. This is complete bs! And no one there can or will explain as to why. So ontop of the fee for my deposit box almost doubling since I opened it, now I'm paying monthly 5x what I was, while abiding by their constantly changing rules. YALL SHOULD BE ASHAMED! .. and so many people will never know unless they constantly checked every transaction cuz you guys don't say anything!! My advice... FIND A CREDIT UNION! IF I DIDNT NEED A BOX, I WOULD NOT DEAL WITH THIS BANK EVER. A'ole.

NOPE, NOPE, NOPE!!!!…read more Do not waste your time! This bank is a joke! Their systems are out of date and you literally pay for it... in every way they can ding you!

Usually dont have issues at this branch but had a rude experience with teller #1429 and her male…read morecolleague on 1/24/26 around 11:30am - 12pm. They were rude and condescending instead of being helpful and understanding when I had a misunderstanding of what numbers were needed for a shared branch account. I simply provided what was listed on my statement. Ive listed the same numbers before with other tellers and they have never told me I dont need the last 5 digits of the shared branch number. So how would I know? They found my account pretty quick (cant be more then 5 minutes), so not sure why their fuse was so short. I hope this is NOT how they usually treat customers, especially if they're elderly where extra help is needed.

I'd probably put half star if I could. Service was unacceptable. My husband went in before I did…read moreand waited in line with 3 tellers at the windows. When he was to go up. They all closed, yet opened when another man walked in and helped him. He went behind that customer and waited. Yet, received NO HELP! Left him standing there. He waited in line and in that bank for over 30 minutes and wasn't helped! Yet, when I walked in to see what was going on, then I was offered help. WTF?! Straight pathetic, he was being nice. Never again! I told him switch banks. At least mine offers nice greetings at the door. ​

I have the most positive experiences at this AMS branch! Everyone there is amazingly helpful,…read morecheerful, willing to help! In the most uncomfortable situations they have been professional, non-judgmental, and detail oriented! Highly recommended this branch! Mahalo for always helping

Great Bank and customer service. Quality staff with great rates for mortgage and loans.read more

I accidentally chose the wrong account when paying a credit card bill and even though 8 hours later…read morethe balance was back in the positive, they stacked fees on fees with no consideration to fact that I have only over drafted one other time in the 10 years being there and am usually super responsible. I like credit unions because they are supposed to be for the "people" and feel more like family. Ko'olau is good if you live in Kailua and never make mistakes with your online payments. The customer service was great, but they still charged me. I just need a place with a little more flexibility and consideration for human error.

Helped me obtain a car title replacement with speed, professionalism and understanding of my…read moresituation.

What a lovely bank…read more.. Since I'm heading out to Kailua I'd though to give the area a try and found this bank sharing the lot with Whole Foods and got my choice of parking very easily. Just a simple transaction though the wait and process feels so complex though I'd rather be safe than sorry and be patient with the whole process. There was just one teller and from the look of the person in front of me it had been a wait but sense I got here just in time as a long line started to form behind me I got my biz done in just a few and got on my way. Thank you!

Had to get a Cashier's Check. The bank itself was really…read morenice, clean and a relaxing ambiance. Sunny the Bank Teller was super friendly and customer service was excellent (her name truly matches her personality). Wait time was short and no line. Mahalo for a great experience!

I love Territorial Savings in Kailua! They are so friendly and helpful. The banking products are…read morejust what I need and the interest rates on their CDs are great. Highly recommend Territorial Savings and this location.

This is a great bank with lots of locations. I with they had longer business hours but other than…read morethat it's a great bank with friendly staff

I'm now on mainland. I refuse to change banks. Kailua branch team are amazing, I feel valued, am…read moretreated better than exceptional. And I feel safe in their financial hands. Never want to bank else where.

So... nice bank, but horrible parking. It shares the same entrance as McDonald's, and if you're…read moreneeding to visit the bank during lunchtime, chances are that getting out of your stall is going to suck. A friend of mine once had to ride through the McDonald's drive-thru just to get outta there. It's a small bank, but friendly -- too bad the parking is such a pain.